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Florida's Premier Boutique Personal Injury Firm
Uninsured Motorist Accidents

Fort Lauderdale Uninsured Motorist Accident Attorneys

UM/UIM Coverage in Florida

Taking care of the aftermath of a serious or fatal accident is difficult enough without adding to the fact that the person who caused the accident is uninsured or underinsured. Although Florida law dictates that drivers are required to have auto insurance, many do not. The number of uninsured motorists has even grown in recent years because of the recession, resulting in more problems for insured drivers who are then injured by these uninsured motorists in a motor vehicle accident.

If you’re injured by an uninsured or underinsured motorist in Fort Lauderdale or in one of the surrounding areas such as Miami or West Palm Beach, you can seek reimbursement for your injuries, lost wages, property damage, or pain and suffering. It may be that you’re already covered under your own uninsured motorist insurance policy or possibly a family member’s policy. Our personal injury lawyers can work with you in order to maximize the chances of getting the compensation outcome you’re hoping for.

Florida state uninsured motorist laws are complex, so knowing the ways to navigating the various insurance companies and policies involved can be difficult. If you or a family member has been injured in a motor vehicle accident with an uninsured driver, we suggest you reach out to our Fort Lauderdale uninsured motorist lawyers today at Ginnis & Krathen, P.A.

After an accident, you deserve to be treated with compassion by a team that cares about your well-being. Contact us online or by phone today for a free consultation at (954) 833-7044.

What Are Florida’s Insurance Laws?

Almost one in four Florida drivers lack insurance, despite the fact that to legally drive in the state of Florida, you must have auto insurance. This means that all drivers who lack adequate insurance after causing an accident may be subject to criminal charges in addition to having to pay for damages. In some cases, at-fault drivers have their driver’s licenses suspended or revoked.

Auto insurance policies must cover the following costs, at a minimum:

  • $10,000 in property damage
  • $10,000 per person for bodily injury
  • $20,000 liability per accident

Florida is also known as a “no-fault” state, meaning that typically after an accident your insurance company should pay your claim up to $10,000 in damages, which include up to 80% of your medical expenses and up to 60% of your lost wages, while the at-fault driver’s insurance pays for the rest. If you have uninsured/underinsured coverage, your policy can extend to your injuries as well as your family members and anyone who was in your car, and it can also provide compensation for wrongful death.

Uninsured motorist coverage does not compensate injured individuals for the following damages:

  • Mental anguish
  • Pain and suffering

If the other driver lacks insurance, they are no longer protected by the no-fault law and you may also be able to file a claim against them for damages if they exceed $10,000.

Are Hit & Run Accidents Covered by Insurance?

Unfortunately, there are instances in which at-fault drivers leave the scene of an accident, which is illegal. When this occurs, Florida law maintains that the driver is treated as an uninsured motorist because it’s impossible to access their insurance coverage without knowing who they are. If you were injured in a hit and run accident, you may be able to access your insurance coverage.

However, it’s important to understand that not all policies include uninsured motorist coverage, which is why having an attorney to guide you through the process is helpful. Our team can look at your existing policy to determine if you have UIM/UM coverage and, if not, we can advise you regarding your next steps.

For Dedicated Representation, Call Our Team

If you or a loved one has suffered an injury in an uninsured motorist accident in Fort Lauderdale or in one of the surrounding areas such as Miami or West Palm Beach, getting in touch with an experienced attorney should be your first step. An attorney knowledgeable in uninsured motorist cases can help you determine how much money you deserve to be compensated for your injuries.

Our lawyers have recovered millions for our clients and are dedicated to each case we handle. We can help you with the following after an accident:

  • Determining if you have uninsured motorist coverage
  • File a claim with your insurance company
  • Communicate with insurance companies who seek to undermine your claim
  • Gather evidence, including witness statements, crash reports, and medical records
  • Recover damages including medical bills, lost wages, and pain and suffering

At our firm, we have highly skilled, experienced attorneys who can talk to the insurance companies in order to assist you in getting the compensation you deserve.

For personalized representation from a team of compassionate attorneys, call (954) 833-7044. Our uninsured motorist accident lawyers serve clients in Fort Lauderdale and throughout Florida.

Every Case Matters

Millions of Dollars Recovered in Successful Verdicts & Settlements
  • Fatal Truck Accident $3,000,000

    We recovered $3 million for the family of a pedestrian who was fatally struck in a truck accident.

  • Slip & Fall $2,950,000

    Our client slipped and fell on commercial private property due to a leaking roof. As a result, Ginnis & Krathen, P.A. was able to secure $2.95 million for our client.

  • Rear-End Car Accident $2,000,000

    Ginnis and Krathen successfully resolved a rear-end motor vehicle crash on behalf of their clients in the amount of $2,000,000.00. Our clients were driving south on I-95 when they were rear-ended by a tractor-trailer. The force of the crash was so significant that it sent our clients’ vehicle into a wooded area on the side of the road.

  • Motorcycle Accident $1,520,000

    Ginnis and Krathen successfully resolved a motorcycle crash involving a fatality in the amount of $1,520,000.00. The decedent was killed when his motorcycle was struck by a commercial vehicle.

  • Sidewalk Fall $1,400,000

    Ginnis and Krathen successfully resolved a Slip and Fall case on behalf of their client in the amount of $1,400,000. Due to the negligence of Defendant, our client fell in the common area of a 55+ condominium community and sustained significant injuries.

  • Rear-End Car Accident $1,350,000

    A drunk, uninsured driver going 60-70 mph crashed into the rear of a vehicle with a man and woman in their 70s and a 99-year-old passenger. Attorneys Eric Ginnis and H. Ross Zelnick successfully negotiated to obtain a $1.35 million settlement for the two seniors and the estate of the 99-year-old decedent.

  • Slip and Fall – Slippery Floor $950,000

    Our client slipped and fell on a very slippery polished marble floor. The carrier denied liability prior to a lawsuit being initiated. The attorneys at Ginnis & Krathen, P.A., after contested litigation,  we were able to reach a settlement for our client in the amount of $950,000.

  • Side-Swipe Auto Accident $900,000

    Ginnis and Krathen successfully resolved a side-swipe motor vehicle crash on behalf of their client in the amount of $900,000.00. Our client was operating his motor vehicle when he was sideswiped by another motor vehicle.

  • Automobile T-Bone Accident $750,000

    While traveling in their vehicle, our clients were struck on the side by a large pickup truck. Through aggressive presuit negotiations, with the Defendant’s insurance company, our attorneys were able to settle the case in an amount of $750,000.

  • Auto Sideswipe $650,000

    Our client was sideswiped by another vehicle and sustained injuries due to the crash. Our attorneys were able to settle the case in the amount of $650,000 for our client.


Client Testimonials

Real Stories, Real Recoveries
  • They remain on top of everything !

    “Ross and Eric are very professional and caring. They remain on top of everything and if you have questions they’re more than willing to take the time and explain things in detail! Their staff ...”

    - Stacia D.
  • I had a lot of peace of mind being their client as I knew I had nothing to worry about.

    “Ginnis & Krathen, P.A. and his team were very professional, encouraging, and thorough with my case. They helped me understand the whole legal process and they always kept me updated with my case. I ...”

    - Carlos G.
  • I am very grateful.

    “I would recommend them after 3 very different cases. They have been available and supportive just when needed most, and I am very grateful.”

    - Leland L.
  • They will fight hard for you and go above and beyond for you.

    “Ginnis and Krathen have been such a godsend! Eric, Ross, Milly, and the staff are some of the nicest and genuinely caring people and Firm you will find. Whenever I’ve needed to speak to Eric, he’s ...”

    - Ericka R.
  • Miguel Amador is an amazing attorney and takes client care to the next level.

    “Miguel Amador is an amazing attorney and takes client care to the next level. He is well-respected by other attorneys who practice personal injury law and he serves as a valuable asset and resource to ...”

    - James J.

What Makes Us Different?

Learn About Our Unique Legal Approach
  • Proven Record of Success

    We have recovered millions of dollars in successful verdicts and settlements, including a seven-figure case that another firm turned down.

  • Trial-Ready Legal Advocacy

    Our personal injury attorneys have extensive jury trial experience and have collectively tried more than 250 jury trials to verdict.

  • Extensive Medical Resources

    Our firm benefits from a qualified network of medical experts who will waste no time in assessing your injuries, no matter how extensive.

  • A Network of Support

    When you hire us, you will benefit from the unwavering support of our attorneys, legal staff, forensic investigators and more. 

  • Personalized Legal Approach

    As our client, you can rest assured that your case will receive the personalized care and attention of a knowledgeable senior partner — no matter the size.

  • Maximized Case Value

    We are committed to maximizing the recovery that our clients deserve and have successfully settled cases that other law firms have turned down.