Being in a car accident can turn your life upside down in an instant. If you’re feeling overwhelmed, in pain, or confused, that’s completely normal. Whether you were the one hit or you’re trying to help someone else, the moments and days after a crash can feel chaotic.

What makes it even more frustrating is finding out the at-fault driver doesn’t have enough insurance to cover your medical bills, lost wages, or car damage. This is where Underinsured Motorist (UIM) Coverage can make a critical difference especially in Florida, where insurance laws can leave accident victims with costly gaps.

This article will walk you through what UIM coverage is, how it works in Florida, when it helps most, and what steps you can take right now to protect yourself or someone you care about.

What Is Underinsured Motorist (UIM) Coverage?

UIM coverage helps pay for your injuries, lost wages, and other damages when the other driver is legally at fault but doesn’t have enough insurance to fully cover your losses.

In Florida, the required insurance minimums are often too low to cover serious injuries. For example, many drivers only carry $10,000 in Personal Injury Protection (PIP) and may not carry Bodily Injury Liability (BIL) at all. That’s where UIM steps in.

Helpful Tip: UIM is part of your own insurance policy. If you’re unsure whether you have it, check your insurance declarations page or call your provider.

When UIM Coverage Becomes Essential

UIM coverage can be a lifesaver in situations like:

• Serious injuries that lead to long-term treatment, surgeries, or rehab
  
• Multiple passengers injured in your vehicle
  
• The at-fault driver’s insurance maxes out quickly
  
• Hit-and-run accidents where the driver is found but underinsured
  
• Lost income or permanent disability from the accident
  

Imagine this: You’re rear-ended at a red light, suffer neck and back injuries, and the other driver only has the bare minimum coverage. Your medical bills climb past $25,000 but their insurance only covers $10,000. Your UIM policy could cover the remaining costs, depending on your limits.

What to Do After a Florida Car Accident Involving an Underinsured Driver

1. Check on Everyone’s Safety First

If you haven’t already, call 911. Make sure everyone involved gets medical attention. Even if injuries seem minor, some symptoms don’t show up right away.

2. Document Everything

Take photos of the scene, your injuries, the vehicles, and get a copy of the police report. This information is crucial for your UIM claim.

3. Get Medical Treatment Promptly

Under Florida law, PIP only covers treatment within 14 days of the accident. Delaying care can hurt both your health and your claim.

4. Notify Your Insurance Provider

Let your insurer know about the accident as soon as you can. Ask whether you have UIM coverage and how to file a claim.

5. Connect With a Florida Personal Injury Attorney

Dealing with insurance companies, even your own can be tough when you’re hurt and stressed. A personal injury attorney can help make sure you get the full benefits of your UIM coverage.

Helpful Tip: You don’t need to wait for the other driver’s insurer to deny your claim before exploring UIM options. In many cases, you can begin both processes at the same time.

You’re Not Alone Support Is Available

If you’re feeling shaken, that’s normal. Whether you’re facing physical pain, financial strain, or just not knowing what comes next, you don’t have to figure it out by yourself. Licensed Florida medical providers and compassionate attorneys are available through Hurt Aid to help you recover and navigate the legal side of your accident.

We understand how stressful this time is and our goal is to get you connected with the care and guidance you need, quickly and confidently.

Next Steps: Get the Help You Deserve

•  Check your insurance for UIM coverage
  
•  Get treated within 14 days to protect your PIP benefits
  
•  Document all injuries, treatment, and expenses
  
•  Contact Hurt Aid to connect with licensed attorneys and trusted medical professionals in Florida
  

You don’t need to handle this alone, help is available, and we’re here to guide you every step of the way.