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Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida, including from our Central Florida office in Orlando. Our dedicated experienced personal injury attorneys handle a range of legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.

The Trial Pro, P.A. attorneys, carry more than a century of collective legal experience and decades of working together as a team. We have represented hundreds if not thousands of people who have been injured due to car accidents, slip-and-fall, worker's compensation cases, and more. One thing that is clear to us is the essence of partnership. Without it, Trial Pro, P.A. could not be as effective in attaining success for our clients.

The Importance of Having Uninsured Motorist (UM) Coverage in Florida

Frequently Asked Questions - The Importance of Having Uninsured Motorist (UM) Coverage in Florida

Insurance coverage varies from state to state and in the State of Florida, there is only very minimal insurance coverage you are required to purchase in order to have a valid automobile insurance policy to legally register your vehicle for road use.  Those minimal coverages are personal injury protection at $10,000.00 which pays 80% of your medical bills, 60% of your lost wages, mileage and prescriptions at a maximum of $10,000.00 and property damage at $10,000.00 which pays for any vehicle or property damaged by you during an accident.  This is considered full coverage in the State of Florida which is quite different from a lot of other states.  If you move to the State of Florida, you are required by law to not only switch your vehicle registration and plates to Florida but also your insurance coverage must be changed to an insurance carrier who provides insurance coverage in the State of Florida.  If you do not change your insurance within ten days of moving to Florida and you are involved in an auto accident, your insurance carrier could deny all benefits and cancel your insurance which is definitely not something you would want to be dealing with after an auto accident.

The State of Florida does not require bodily injury coverage on all auto insurance policies.  When you are involved in an auto accident and you sustain injuries, bodily injury coverage is the portion of the at fault insurance policy you sue.  Because this is not a mandatory requirement in the State of Florida, many people forego this coverage as it makes their monthly insurance payments much less.  If that person causes an auto accident and they do not have bodily injury coverage on their insurance policy, they are technically considered an uninsured driver, even though they legally have the required state minimum insurance coverage.  For this reason alone, it is extremely important to have as much coverage on your own insurance policy as possible.  You never know when you are going to be involved in an auto accident with someone who has no bodily injury coverage or a very minimal bodily injury policy.  Say you are involved in a significant auto accident and you end up being flown to the hospital for severe injuries and treated in the hospital for several days, if the person who hit you does not have bodily injury coverage or a minimal bodily injury policy, you will be out of luck suing the insurance carrier for your damages and pain and suffering.  Every insurance carrier provides their insureds with the option to carry uninsured and underinsured motorist coverage.  This coverage is applicable when you are hit by someone with no bodily injury coverage or a minimal bodily injury policy.  The more uninsured or underinsured motorist coverage you can carry the better as it is designed to protect you financially.  In order to obtain uninsured or underinsured motorist coverage on your own policy, you must first opt to purchase bodily injury coverage.  You are legally unable to purchase uninsured or underinsured motorist coverage without first obtaining a bodily injury policy.  In addition, your uninsured or underinsured motorist coverage must be equal to or higher than your bodily injury policy.  You are not allowed to purchase $10,000.00 of bodily injury coverage and a $500,000.00 uninsured or underinsured motorist policy.

After an auto accident, it is extremely crucial that you first obtain the at fault insurance carrier’s bodily injury policy limits.  The adjuster assigned to the claim will be able to inform you of the coverage and you have a right to request this in writing.  The coverages are listed on a declarations page, which your adjuster will be able to send to you so you have all applicable coverages in writing.  If you are injured in the accident and the at fault party only has a minimal bodily injury policy, you can request that your own insurance carrier open an underinsured motorist claim under your policy.  Once you have completed your medical treatment and it comes time to settle your claim, you will provide the at fault insurance carrier with all of your medical bills and records and any other supporting documents and request that they pay you their entire minimal bodily injury limit.  If the insurance company does pay out their entire limit, you are then legally able to provide your own insurance carrier with those supporting documents and request that they settle your remaining claim through your underinsured policy.  When you submit these documents, you must first provide proof of the at fault insurance company paying you their entire policy limit, which is known as a tender of the policy.  Before you cash the check from the at fault insurance carrier, you must first get permission from your own insurance carrier in writing to accept the insurance limits.  Once you get the acceptance, the adjuster on your underinsured claim will process your documents and make you a settlement offer, depending on how much coverage you have with them.  If you were a passenger in an auto accident, your uninsured or underinsured motorist coverage lays with the vehicle you were in at the time of the accident if that vehicle has a uninsured or underinsured policy.  If so, you will settle with the insurance carrier for the vehicle first before turning to your own uninsured or underinsured motorist policy if you have your own insurance policy.

If you have hired an experienced personal injury attorney to represent you for your claim, you will not need to put yourself through all this hassle as your attorney will negotiate your claim on your behalf and will relay any settlement offers to you.  Your attorney will know exactly what to do and say to get the insurance company to pay the full value of your claim.  If they do not pay what you or your attorney believe to be the full compensation for your pain and suffering, your attorney will likely discuss filing suit against the insurance companies.  Your attorney can file suit against both the bodily injury carrier and the underinsured or uninsured motorist carrier at the same time. 

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Our goal is to make the process as easy as possible for you. You don't even have to come into our office if you cannot travel or adjust your schedule to make it to us. We're more than happy to come to you!

In addition to traveling directly to our clients, the team at Trial Pro, P.A. also pledges to provide clear advice and regular client communication. We know how vital regular contact with our clients is - we never leave you hanging or delay our responses. 

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Orlando Personal Injury Attorneys
After experiencing an automobile accident, the last thing you desire is to have an attorney at hand that doesn’t know how to represent you adequately. You want a reputable law firm that will.
Personal Injury Attorneys
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We put our knowledge and legal abilities into action to assist you to attain a positive outcome and ease the legal stress from your shoulders simultaneously. Trial Pro, P.A., holds a reputation for achieving real success for clients. Please leave it to us to fight wisely but aggressively. 
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Experiencing a car accident can be frustrating and scary, but our promises to you are fully authentic. Trial Pro, P.A.'s injury legal attorneys, do not under-deliver. Instead, we do everything in our capabilities to go above and beyond your expectations. 
Car Accident Lawyers
Committed to Our Clients
It would help if you didn't have to beg for a call back from your attorney. It would be best if you didn't have to beg for an update on your case. At Trial Pro, P.A., we don't operate in that manner. We constantly call our clients to give them updates on their claims. If we miss a call, we promise always to return it.
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Our objective is to enable our clients to relax and concentrate on healing, recognizing that the legal professionals at Trial Pro, P.A. holds the knowledge and resources to adequately tackle all the legal and financial specifics associated with their dispute.
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Based in Florida, Trial Pro, P.A. represents clients across Florida from our offices in Miami, Orlando, Ft. Myers, Naples, Delray Beach, Jacksonville, and Daytona Beach. We are dedicated to fully serving you to every degree. We vow to make the entire process of working with us as easy and as stress-free as possible. Therefore, we are more than happy to meet with you at your home, place of employment, hospital room, or other business that you find more convenient. You are always welcome to come into our office as well.

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Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida. Our dedicated, experienced personal injury attorneys handle various legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.

Trial Pro P.A. Orlando Office

  (407) 300-0000

 250 N Orange Ave 14th Floor
Orlando, FL 32801


Trial Pro P.A. Tampa Office

  (813) 522-5444

 1000 N. Ashley Drive, Suite 512
Tampa, FL, 33602


Trial Pro P.A. Naples Office

  (239) 300-0000

 870 111th Ave N #1
Naples, FL 34108


Trial Pro P.A. Fort Myers Office

  (239) 400-5000

 9341 Marketplace Rd
Fort Myers, FL 33912


Trial Pro P.A. Melbourne Office

  (321) 586-2088

 2551 W. Eau Gallie Blvd., Suite 102
Melbourne, FL, 32935

Contact Info
250 N Orange Ave, 14th Floor
Orlando, FL 32801
help@trialpro.com
(407) 300-0000


Our law firm fights aggressively -- always determined to win your case. 

Trial Pro, P.A. Car Accident Attorneys
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The information on this website is for general information purposes only. The Information presented at this site should not be construed as formal legal advice nor the formation of an attorney-client relationship. For medical advice and treatment, you should contact a licensed medical professional.