Under state law, all drivers in Florida are required to carry a minimum in Personal Injury Protection (PIP) and Property Damage Liability (PDL) insurance. According to the Insurance Information Institute (III), however, Florida has the highest percentage of uninsured motorists in the nation, at 26.7%. Nationwide, an estimated 13% of drivers were uninsured in recent years.

If you have been involved in a crash caused by an uninsured or underinsured motorist, contact Florin Gray Bouzas Owens, LLC as soon as possible. We serve Pasco County, representing car crash victims involved in uninsured/underinsured accidents. Our litigators are proud to have an extensive history of success in these cases.

Why Choose Our Tampa Attorneys?

We understand it may be a tough time for you after a serious car accident, so we offer a free consultation to determine if you have a case before proceeding. We are compassionate and understanding, and all our legal decisions are informed by your specific circumstances.

Our Tampa personal injury lawyers take a hands-on approach to ensure you receive the representation you deserve.

How Can a Lawyer Help my Case?

Insurance companies have their own best interests at heart and will work to try to minimize payouts. Our experienced Tampa and Wesley Chapel car accident lawyers can investigate your uninsured/underinsured motorist accident, assess the full extent of your losses, and provide the aggressive advocacy you need to obtain fair compensation from negligent parties and insurers.

We can advise you of your options under the law for recovering damages after an accident caused by an uninsured or underinsured driver.

Florida Insurance Laws

As reported by the Florida Department of Motor Vehicles (DMV), every vehicle with four or more wheels is required to have auto insurance coverage, and proof of coverage is required at registration. The minimum coverage required by state law is:

• $10,000 personal injury protection (PIP)
• $10,000 property damage liability (PDL)

Certain drivers may be required to carry Bodily Injury Liability (BIL) insurance. This type of coverage, designed to pay for serious or long-term injury or death caused to others in an automobile crash, may be required for drivers with previous accidents or violations. The minimum for BIL is $10,000 per person and $20,000 per accident.

Insurance coverage is available in addition to PIP, PDL, and BIL. Insurers in Florida offer optional collision, comprehensive, and uninsured/underinsured motorist coverage.

Your Options for Compensation in Tampa Bay

After an accident caused by an uninsured/underinsured driver, you may have several options for recovering compensation, which may include:

• Your own PIP coverage
• Uninsured/underinsured motorist coverage in your auto insurance policy
• Personal injury claim against the driver who caused your accident. (There may be avenues for recovery even if the driver was uninsured.)

To recover compensation in legal action against the at-fault driver, you must prove that:

• The driver had a duty of care to you at the time of the accident.
• The driver breached that duty of care.
• The driver’s breach of duty directly caused your injuries.
• You suffered damages because of the accident.

Contact Our Office Today

Our attorneys at Florin Gray Bouzas Owens, LLC have more than six decades of experience successfully representing clients in a range of auto accident cases. We are passionate advocates for people injured in car accidents through the negligence of others.

Our firm is proud to serve the victims of Tampa and surrounding areas, including Wesley Chapel and New Port Richey, FL. Contact us as soon as possible if you have been injured in a crash caused by an uninsured or underinsured driver.