Uninsured Motorist Accident Lawyer in Tampa, FL | Louis Law Group
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5/2/2026 | 1 min read
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Uninsured Motorist Accident Tampa FL: Injuries, Claims & Compensation
Every day on Tampa's bustling highways—from I-275 to the Selmon Expressway—thousands of drivers navigate traffic. Yet not all of them carry adequate insurance coverage. When you're injured in an uninsured motorist accident in Tampa FL, the path to fair compensation becomes more complex, but not impossible. At Louis Law Group, we've helped countless Tampa residents recover damages after collisions with uninsured or underinsured drivers, and we understand the unique challenges these cases present.
An uninsured motorist accident in Tampa FL can leave you facing mounting medical bills, lost wages, and serious injuries—all while the at-fault driver has no insurance to cover your damages. That's where uninsured motorist (UM) coverage and underinsured motorist (UIM) coverage come into play. These protections, governed by Florida law, exist specifically to protect you when the other driver cannot.
This comprehensive guide explores the injuries commonly suffered in uninsured motorist incidents, how compensation is calculated under Florida law, and what steps you should take to protect your rights.
Understanding Uninsured Motorist Coverage in Florida
Florida Statute section 627.727 mandates that insurance companies offer uninsured motorist (UM) coverage to all policyholders. This coverage is your safety net when an at-fault driver either has no insurance or carries a policy with limits too low to cover your damages. In Hillsborough County—where Tampa is located—thousands of drivers operate without adequate coverage, making UM protection essential.
Under Fla. Stat. section 627.727, insurers must offer UM coverage with limits equal to your vehicle's liability limits, unless you affirmatively reject it in writing. Many Tampa residents don't realize they already have this protection built into their policies, or they carry limits far below their actual needs.
Underinsured motorist (UIM) coverage is equally important. If the at-fault driver has insurance but their limits are insufficient to cover your injuries, UIM coverage bridges that gap. For example, if you suffer $150,000 in damages but the at-fault driver only carries $25,000 in liability coverage, your UIM coverage can cover the remaining $125,000 (up to your UIM limit).
Common Injuries in Uninsured Motorist Accidents
An uninsured motorist accident in Tampa FL can result in a wide range of injuries, from minor to catastrophic. Understanding these injuries helps explain why fair compensation is so critical.
Whiplash and Neck Injuries
Whiplash is one of the most common injuries in motor vehicle accidents, particularly rear-end collisions. The sudden acceleration and deceleration forces the neck to move violently, straining muscles, ligaments, and discs. In Tampa's heavy traffic corridors—especially around downtown and the Crosstown Expressway—rear-end collisions happen frequently. Whiplash symptoms may not appear immediately, and recovery can take months or years.
Back and Spinal Injuries
The impact of a collision can injure the lumbar spine, thoracic spine, or cervical spine. Herniated discs, compression fractures, and soft tissue damage are common. Serious spinal injuries can result in chronic pain, reduced mobility, or in severe cases, paralysis. These injuries often require ongoing medical treatment, physical therapy, and sometimes surgery.
Traumatic Brain Injury (TBI)
When your head strikes the steering wheel, dashboard, or window, or when the brain shifts within the skull due to sudden deceleration, traumatic brain injury can occur. Symptoms range from mild concussions (headaches, dizziness, confusion) to severe TBI (loss of consciousness, cognitive impairment, personality changes). TBI can have long-term effects on your ability to work and enjoy life.
Broken Bones and Fractures
High-impact collisions frequently result in broken ribs, arms, legs, collarbones, and pelvis fractures. These injuries cause immediate pain, require immobilization or surgery, and involve extended recovery periods. Fractures can lead to permanent complications like arthritis or reduced range of motion.
Internal Injuries
Blunt force trauma to the abdomen or chest can cause internal bleeding, organ damage, or other life-threatening injuries. These injuries may not be immediately obvious but can be fatal if not treated promptly. Internal injuries often require emergency surgery and intensive medical care.
Psychological Injuries
Beyond physical harm, accident victims often suffer post-traumatic stress disorder (PTSD), anxiety, and depression. The trauma of an uninsured motorist accident in Tampa FL can make driving difficult or impossible, affecting your quality of life and ability to work.
How Compensation is Calculated in Florida UM/UIM Claims
Calculating fair compensation for an uninsured motorist accident in Tampa FL involves several factors. Florida courts and insurance companies consider both economic and non-economic damages.
Economic Damages
Medical Expenses: This includes all past and future medical treatment related to your injuries—emergency room visits, hospital stays, surgery, physical therapy, medications, medical devices, and ongoing care. In serious cases, future medical expenses can be substantial, especially if you require long-term care or multiple surgeries.
Lost Wages: If your injuries prevent you from working, you're entitled to compensation for lost income. This includes both wages you've already lost and future earning capacity if your injuries permanently affect your ability to work. For self-employed individuals in Tampa, calculating lost income requires detailed financial records.
Property Damage: Your vehicle repair or replacement costs are recoverable, though UM/UIM claims typically focus on bodily injury rather than property damage (which is usually covered by your collision coverage).
Non-Economic Damages
Pain and Suffering: Compensation for the physical pain and emotional distress caused by your injuries. Florida law recognizes that pain isn't just a number—it's a genuine harm that deserves compensation. Judges and juries consider the severity of your injuries, duration of treatment, and impact on your daily life.
Loss of Enjoyment of Life: If your injuries prevent you from participating in hobbies, sports, or other activities you enjoyed, you can recover damages. For example, if a serious back injury prevents you from golfing or hiking, that loss is compensable.
Disfigurement and Scarring: Visible scars or permanent disfigurement from an accident justify additional compensation, particularly for injuries to the face, neck, or hands.
Loss of Consortium: If your injuries affect your relationship with your spouse, including loss of companionship and intimacy, your spouse may have a separate claim.
The "Multiplier Method"
Insurance adjusters and attorneys often use a multiplier to calculate pain and suffering. This method multiplies your economic damages (medical expenses and lost wages) by a factor of 1.5 to 5, depending on the severity of your injuries. More severe injuries justify higher multipliers. For example, a moderate back injury might use a 2x multiplier, while a severe spinal cord injury might use a 4x or 5x multiplier.
The "Per Diem Method"
An alternative approach assigns a daily dollar value to your pain and suffering for each day you experienced symptoms. If you suffered for 200 days and assigned a $100 per diem rate, your pain and suffering would be valued at $20,000. This method works well for injuries with clear recovery timelines.
Florida's UM/UIM Coverage: Stacking and Disputes
Two critical concepts affect UM/UIM claims in Florida: stacking and coverage disputes.
Stacking
Stacking allows you to combine UM/UIM coverage from multiple policies. If you own two vehicles, each with $100,000 in UM coverage, you might "stack" them to create $200,000 in total coverage. Florida law permits stacking in many situations, significantly increasing available compensation. However, insurance companies often dispute stacking rights, making legal guidance essential.
Coverage Disputes
Insurance companies sometimes deny UM/UIM claims, arguing the accident didn't meet policy requirements or that the other driver wasn't truly uninsured. Under Fla. Stat. section 627.7275, insurers must provide clear information about bodily injury requirements. If your insurer wrongfully denies your claim, you have the right to sue them for bad faith.
We've successfully resolved numerous coverage disputes for Tampa clients in Hillsborough County courts, forcing insurers to honor their obligations.
Florida's Shift to Tort-Based System and Its Impact on UM Claims
In 2024, Florida transitioned from a no-fault insurance system to a tort-based system through HB 837. This change significantly impacts how uninsured motorist claims are handled. Under the new system, you have greater ability to sue the at-fault driver directly for damages, rather than relying solely on your own insurance company's UM coverage.
However, this doesn't eliminate the importance of UM/UIM coverage. If the at-fault driver is uninsured, you still cannot recover from them directly. Your UM coverage becomes your primary avenue for recovery. Additionally, Florida's modified comparative negligence rule—the 51% bar—still applies. This rule means you can recover damages only if you're 50% or less at fault for the accident. If you're found 51% or more at fault, you cannot recover anything.
Steps to Take After an Uninsured Motorist Accident in Tampa
Document Everything: Photograph the accident scene, vehicle damage, your injuries, and road conditions. Collect contact information from witnesses. These details are crucial for your claim.
Seek Medical Attention Immediately: Even if you feel fine, see a doctor. Some injuries appear hours or days after an accident. Medical records establish the connection between the accident and your injuries—essential for compensation.
Report the Accident: File a police report and notify your insurance company promptly. Provide accurate information but avoid discussing fault or accepting blame.
Preserve Evidence: Keep all medical records, bills, receipts, and correspondence related to the accident. Don't repair your vehicle until your insurer has inspected it.
Consult an Attorney: Before accepting any settlement offer, speak with an experienced personal injury attorney. Insurance companies often undervalue claims, and an attorney ensures you receive fair compensation.
Call or text (833) 657-4812 for a free consultation. Our Tampa-based team understands local court procedures and insurance practices in Hillsborough County.
Why Choose Louis Law Group
At Louis Law Group, we're committed to fighting for injured Tampa residents. Here's what sets us apart:
Contingency Fee Basis: You pay no fee unless we win your case. We invest our time and resources because we believe in your claim. This aligns our interests with yours—we only succeed when you succeed.
Free Case Evaluation: We'll review your accident details, explain your rights, and discuss potential compensation at no cost. There's no obligation, and you'll leave with a clear understanding of your options.
Florida Bar Licensed: Our attorneys are licensed to practice in Florida and have extensive experience with personal injury law, including UM/UIM claims under Fla. Stat. section 627.727 and related statutes.
Aggressive Negotiation and Litigation: We don't accept lowball offers. We negotiate fiercely with insurance companies and aren't afraid to litigate in Hillsborough County courts if necessary. Insurance adjusters know that when Louis Law Group represents you, we mean business.
Local Expertise: We understand Tampa's traffic patterns, common accident locations, and the judges and juries in our community. This local knowledge gives you an advantage.
Check if you qualify for compensation by answering a few quick questions about your accident.
Frequently Asked Questions About Uninsured Motorist Accidents in Tampa FL
What if the uninsured driver is found and has assets—can I sue them directly?
Yes, under Florida's new tort-based system (HB 837), you can sue the at-fault driver directly for damages. However, collecting a judgment from an uninsured driver is often difficult because they lack insurance and may have minimal assets. This is why UM coverage is so important—it provides a reliable source of compensation regardless of the at-fault driver's ability to pay. Your UM claim is typically faster and more certain than pursuing a judgment against an uninsured driver.
Can I stack UM coverage from multiple vehicles I own?
Yes, Florida law generally permits stacking of UM coverage from multiple vehicles you own or have insurable interest in. However, insurance companies frequently dispute stacking rights. The specific language of your policies and the circumstances of your accident determine whether stacking applies. We review your policies carefully to maximize your available coverage.
How long do I have to file a UM claim in Florida?
Florida's statute of limitations for personal injury claims is generally four years from the date of the accident. However, it's crucial to notify your insurance company of the accident promptly and to begin the claims process immediately. Delays can complicate your case and may result in lost evidence or witness statements. We recommend contacting an attorney within weeks of your accident.
What's the difference between UM and UIM coverage?
Uninsured motorist (UM) coverage applies when the at-fault driver has no insurance. Underinsured motorist (UIM) coverage applies when the at-fault driver has insurance but their limits are insufficient to cover your damages. For example, if you suffer $100,000 in damages and the at-fault driver has only $25,000 in liability coverage, your UIM coverage covers the remaining $75,000 (up to your UIM limit). Both are essential protections.
Will my auto insurance rates increase after filing a UM claim?
No. Florida law prohibits insurance companies from increasing your rates or canceling your policy based on filing a UM claim. Filing a UM claim is not considered a claim against your own coverage in the traditional sense—it's a claim against the uninsured motorist. Your rates should not be affected. If your insurer attempts to raise your rates after a UM claim, contact us immediately.
Call or text (833) 657-4812 for a free consultation. Let Louis Law Group help you navigate your uninsured motorist accident in Tampa FL and fight for the compensation you deserve.
Legal Disclaimer
This page is provided for general informational purposes only and does not constitute legal advice. Reading this page does not create an attorney-client relationship with Louis Law Group or any of its attorneys. Florida law changes frequently; statutes and case law cited here are believed accurate as of publication but should be verified. Every personal injury case is unique — the outcome of your case depends on its specific facts. For advice on your situation, schedule a free consultation by calling or texting (833) 657-4812.
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Frequently Asked Questions
Understanding Uninsured Motorist Coverage in Florida
Florida Statute section 627.727 mandates that insurance companies offer uninsured motorist (UM) coverage to all policyholders. This coverage is your safety net when an at-fault driver either has no insurance or carries a policy with limits too low to cover your damages. In Hillsborough County—where Tampa is located—thousands of drivers operate without adequate coverage, making UM protection essential. Under Fla. Stat. section 627.727, insurers must offer UM coverage with limits equal to your vehicle's liability limits, unless you affirmatively reject it in writing. Many Tampa residents don't realize they already have this protection built into their policies, or they carry limits far below their actual needs. Underinsured motorist (UIM) coverage is equally important. If the at-fault driver has insurance but their limits are insufficient to cover your injuries, UIM coverage bridges that gap. For example, if you suffer $150,000 in damages but the at-fault driver only carries $25,000 in liability coverage, your UIM coverage can cover the remaining $125,000 (up to your UIM limit).
Common Injuries in Uninsured Motorist Accidents
An uninsured motorist accident in Tampa FL can result in a wide range of injuries, from minor to catastrophic. Understanding these injuries helps explain why fair compensation is so critical. Whiplash and Neck Injuries Whiplash is one of the most common injuries in motor vehicle accidents, particularly rear-end collisions. The sudden acceleration and deceleration forces the neck to move violently, straining muscles, ligaments, and discs. In Tampa's heavy traffic corridors—especially around downtown and the Crosstown Expressway—rear-end collisions happen frequently. Whiplash symptoms may not appear immediately, and recovery can take months or years. Back and Spinal Injuries The impact of a collision can injure the lumbar spine, thoracic spine, or cervical spine. Herniated discs, compression fractures, and soft tissue damage are common. Serious spinal injuries can result in chronic pain, reduced mobility, or in severe cases, paralysis. These injuries often require ongoing medical treatment, physical therapy, and sometimes surgery. Traumatic Brain Injury (TBI) When your head strikes the steering wheel, dashboard, or window, or when the brain shifts within the skull due to sudden deceleration, traumatic brain injury can occur. Symptoms range from mild concussions (headaches, dizziness, confusion) to severe TBI (loss of consciousness, cognitive impairment, personality changes). TBI can have long-term effects on your ability to work and enjoy life. Broken Bones and Fractures High-impact collisions frequently result in broken ribs, arms, legs, collarbones, and pelvis fractures. These injuries cause immediate pain, require immobilization or surgery, and involve extended recovery periods. Fractures can lead to permanent complications like arthritis or reduced range of motion. Internal Injuries Blunt force trauma to the abdomen or chest can cause internal bleeding, organ damage, or other life-threatening injuries. These injuries may not be immediately obvious but can be fatal if not treated promptly. Internal injuries often require emergency surgery and intensive medical care. Psychological Injuries Beyond physical harm, accident victims often suffer post-traumatic stress disorder (PTSD), anxiety, and depression. The trauma of an uninsured motorist accident in Tampa FL can make driving difficult or impossible, affecting your quality of life and ability to work.
How Compensation is Calculated in Florida UM/UIM Claims
Calculating fair compensation for an uninsured motorist accident in Tampa FL involves several factors. Florida courts and insurance companies consider both economic and non-economic damages. Economic Damages Medical Expenses: This includes all past and future medical treatment related to your injuries—emergency room visits, hospital stays, surgery, physical therapy, medications, medical devices, and ongoing care. In serious cases, future medical expenses can be substantial, especially if you require long-term care or multiple surgeries. Lost Wages: If your injuries prevent you from working, you're entitled to compensation for lost income. This includes both wages you've already lost and future earning capacity if your injuries permanently affect your ability to work. For self-employed individuals in Tampa, calculating lost income requires detailed financial records. Property Damage: Your vehicle repair or replacement costs are recoverable, though UM/UIM claims typically focus on bodily injury rather than property damage (which is usually covered by your collision coverage). Non-Economic Damages Pain and Suffering: Compensation for the physical pain and emotional distress caused by your injuries. Florida law recognizes that pain isn't just a number—it's a genuine harm that deserves compensation. Judges and juries consider the severity of your injuries, duration of treatment, and impact on your daily life. Loss of Enjoyment of Life: If your injuries prevent you from participating in hobbies, sports, or other activities you enjoyed, you can recover damages. For example, if a serious back injury prevents you from golfing or hiking, that loss is compensable. Disfigurement and Scarring: Visible scars or permanent disfigurement from an accident justify additional compensation, particularly for injuries to the face, neck, or hands. Loss of Consortium: If your injuries affect your relationship with your spouse, including loss of companionship and intimacy, your spouse may have a separate claim. The "Multiplier Method" Insurance adjusters and attorneys often use a multiplier to calculate pain and suffering. This method multiplies your economic damages (medical expenses and lost wages) by a factor of 1.5 to 5, depending on the severity of your injuries. More severe injuries justify higher multipliers. For example, a moderate back injury might use a 2x multiplier, while a severe spinal cord injury might use a 4x or 5x multiplier. The "Per Diem Method" An alternative approach assigns a daily dollar value to your pain and suffering for each day you experienced symptoms. If you suffered for 200 days and assigned a $100 per diem rate, your pain and suffering would be valued at $20,000. This method works well for injuries with clear recovery timelines.
Florida's UM/UIM Coverage: Stacking and Disputes
Two critical concepts affect UM/UIM claims in Florida: stacking and coverage disputes. Stacking Stacking allows you to combine UM/UIM coverage from multiple policies. If you own two vehicles, each with $100,000 in UM coverage, you might "stack" them to create $200,000 in total coverage. Florida law permits stacking in many situations, significantly increasing available compensation. However, insurance companies often dispute stacking rights, making legal guidance essential. Coverage Disputes Insurance companies sometimes deny UM/UIM claims, arguing the accident didn't meet policy requirements or that the other driver wasn't truly uninsured. Under Fla. Stat. section 627.7275, insurers must provide clear information about bodily injury requirements. If your insurer wrongfully denies your claim, you have the right to sue them for bad faith. We've successfully resolved numerous coverage disputes for Tampa clients in Hillsborough County courts, forcing insurers to honor their obligations.
Florida's Shift to Tort-Based System and Its Impact on UM Claims
In 2024, Florida transitioned from a no-fault insurance system to a tort-based system through HB 837. This change significantly impacts how uninsured motorist claims are handled. Under the new system, you have greater ability to sue the at-fault driver directly for damages, rather than relying solely on your own insurance company's UM coverage. However, this doesn't eliminate the importance of UM/UIM coverage. If the at-fault driver is uninsured, you still cannot recover from them directly. Your UM coverage becomes your primary avenue for recovery. Additionally, Florida's modified comparative negligence rule—the 51% bar—still applies. This rule means you can recover damages only if you're 50% or less at fault for the accident. If you're found 51% or more at fault, you cannot recover anything.
Steps to Take After an Uninsured Motorist Accident in Tampa
Document Everything: Photograph the accident scene, vehicle damage, your injuries, and road conditions. Collect contact information from witnesses. These details are crucial for your claim. Seek Medical Attention Immediately: Even if you feel fine, see a doctor. Some injuries appear hours or days after an accident. Medical records establish the connection between the accident and your injuries—essential for compensation. Report the Accident: File a police report and notify your insurance company promptly. Provide accurate information but avoid discussing fault or accepting blame. Preserve Evidence: Keep all medical records, bills, receipts, and correspondence related to the accident. Don't repair your vehicle until your insurer has inspected it. Consult an Attorney: Before accepting any settlement offer, speak with an experienced personal injury attorney. Insurance companies often undervalue claims, and an attorney ensures you receive fair compensation. Call or text (833) 657-4812 for a free consultation. Our Tampa-based team understands local court procedures and insurance practices in Hillsborough County.
Why Choose Louis Law Group
At Louis Law Group, we're committed to fighting for injured Tampa residents. Here's what sets us apart: Contingency Fee Basis: You pay no fee unless we win your case. We invest our time and resources because we believe in your claim. This aligns our interests with yours—we only succeed when you succeed. Free Case Evaluation: We'll review your accident details, explain your rights, and discuss potential compensation at no cost. There's no obligation, and you'll leave with a clear understanding of your options. Florida Bar Licensed: Our attorneys are licensed to practice in Florida and have extensive experience with personal injury law, including UM/UIM claims under Fla. Stat. section 627.727 and related statutes. Aggressive Negotiation and Litigation: We don't accept lowball offers. We negotiate fiercely with insurance companies and aren't afraid to litigate in Hillsborough County courts if necessary. Insurance adjusters know that when Louis Law Group represents you, we mean business. Local Expertise: We understand Tampa's traffic patterns, common accident locations, and the judges and juries in our community. This local knowledge gives you an advantage. Check if you qualify for compensation by answering a few quick questions about your accident.
What if the uninsured driver is found and has assets—can I sue them directly?
Yes, under Florida's new tort-based system (HB 837), you can sue the at-fault driver directly for damages. However, collecting a judgment from an uninsured driver is often difficult because they lack insurance and may have minimal assets. This is why UM coverage is so important—it provides a reliable source of compensation regardless of the at-fault driver's ability to pay. Your UM claim is typically faster and more certain than pursuing a judgment against an uninsured driver.
Can I stack UM coverage from multiple vehicles I own?
Yes, Florida law generally permits stacking of UM coverage from multiple vehicles you own or have insurable interest in. However, insurance companies frequently dispute stacking rights. The specific language of your policies and the circumstances of your accident determine whether stacking applies. We review your policies carefully to maximize your available coverage.
How long do I have to file a UM claim in Florida?
Florida's statute of limitations for personal injury claims is generally four years from the date of the accident. However, it's crucial to notify your insurance company of the accident promptly and to begin the claims process immediately. Delays can complicate your case and may result in lost evidence or witness statements. We recommend contacting an attorney within weeks of your accident.
What's the difference between UM and UIM coverage?
Uninsured motorist (UM) coverage applies when the at-fault driver has no insurance. Underinsured motorist (UIM) coverage applies when the at-fault driver has insurance but their limits are insufficient to cover your damages. For example, if you suffer $100,000 in damages and the at-fault driver has only $25,000 in liability coverage, your UIM coverage covers the remaining $75,000 (up to your UIM limit). Both are essential protections.
Will my auto insurance rates increase after filing a UM claim?
No. Florida law prohibits insurance companies from increasing your rates or canceling your policy based on filing a UM claim. Filing a UM claim is not considered a claim against your own coverage in the traditional sense—it's a claim against the uninsured motorist. Your rates should not be affected. If your insurer attempts to raise your rates after a UM claim, contact us immediately. Call or text (833) 657-4812 for a free consultation. Let Louis Law Group help you navigate your uninsured motorist accident in Tampa FL and fight for the compensation you deserve. {"@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [{"@type": "Question", "name": "What if the uninsured driver is found and has assets\u2014can I sue them directly?", "acceptedAnswer": {"@type": "Answer", "text": "Yes, under Florida's new tort-based system (HB 837), you can sue the at-fault driver directly for damages. However, collecting a judgment from an uninsured driver is often difficult because they lack insurance and may have minimal assets. This is why UM coverage is so important\u2014it provides a reliable source of compensation regardless of the at-fault driver's ability to pay. Your UM claim is typically faster and more certain than pursuing a judgment against an uninsured driver."}}, {"@type": "Question", "name": "Can I stack UM coverage from multiple vehicles I own?", "acceptedAnswer": {"@type": "Answer", "text": "Yes, Florida law generally permits stacking of UM coverage from multiple vehicles you own or have insurable interest in. However, insurance companies frequently dispute stacking rights. The specific language of your policies and the circumstances of your accident determine whether stacking applies. We review your policies carefully to maximize your available coverage."}}, {"@type": "Question", "name": "How long do I have to file a UM claim in Florida?", "acceptedAnswer": {"@type": "Answer", "text": "Florida's statute of limitations for personal injury claims is generally four years from the date of the accident. However, it's crucial to notify your insurance company of the accident promptly and to begin the claims process immediately. Delays can complicate your case and may result in lost evidence or witness statements. We recommend contacting an attorney within weeks of your accident."}}, {"@type": "Question", "name": "What's the difference between UM and UIM coverage?", "acceptedAnswer": {"@type": "Answer", "text": "Uninsured motorist (UM) coverage applies when the at-fault driver has no insurance. Underinsured motorist (UIM) coverage applies when the at-fault driver has insurance but their limits are insufficient to cover your damages. For example, if you suffer $100,000 in damages and the at-fault driver has only $25,000 in liability coverage, your UIM coverage covers the remaining $75,000 (up to your UIM limit). Both are essential protections."}}, {"@type": "Question", "name": "Will my auto insurance rates increase after filing a UM claim?", "acceptedAnswer": {"@type": "Answer", "text": "No. Florida law prohibits insurance companies from increasing your rates or canceling your policy based on filing a UM claim. Filing a UM claim is not considered a claim against your own coverage in the traditional sense\u2014it's a claim against the uninsured motorist. Your rates should not be affected. If your insurer attempts to raise your rates after a UM claim, contact us immediately."}}]} {"@context": "https://schema.org", "@type": "LegalService", "name": "Louis Law Group", "url": "https://www.louislawgroup.com", "telephone": "+18336574812", "priceRange": "Free consultation - contingency fee", "description": "Personal injury attorneys serving Tampa, Hillsborough County \u2014 uninsured motorist cases. No fee unless we win.", "areaServed": [{"@type": "City", "name": "Tampa", "containedInPlace": {"@type": "State", "name": "Florida"}}, {"@type": "AdministrativeArea", "name": "Hillsborough County"}], "address": {"@type": "PostalAddress", "addressRegion": "FL", "addressCountry": "US"}}
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We like to simplify our intake process. From submitting your claim to finalizing your case, our streamlined approach ensures a hassle-free experience. Our legal team is dedicated to making this process as efficient and straightforward as possible.
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