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Uninsured or Under-insured Drivers and Accidents







A Miami car accident that involves registered vehicle owners that do not carry automobile insurance in Florida can result in severe financial losses, prison time, mental anguish, and more for those found at fault for bodily injury, property damages, loss of wages, and even wrongful death. In Miami, the Perazzo Law Firm strives to offer the best professional legal counsel and representation to clients that have been hurt in a car, truck, or any other motor vehicle accidents that involve uninsured or under-insured drivers.

In Miami, the Perazzo Law Firm knows that there are hundreds of uninsured and under-insured motorists operating cars, trucks, motorcycles, and other vehicles. When a registered vehicle owner has an uninsured vehicle operating along Florida roadways and down Miami avenues and streets, they run the risk of being charged with a criminal offence if they injure or kill someone while behind the wheel of an uninsured vehicle. . Even though this is against the law, these uninsured drivers are behind the wheel of cars, trucks, and motorcycles and getting into accidents in Miami-Dade and Broward Counties. Some accidents may involve personal injury, property damage, losses or even wrongful death. While an uninsured motorist in Miami, Hialeah, Homestead, Kendall, or any other Miami-Dade or Broward County city, may have to face criminal charges (law 324.021), the victims will have to figure out how to cover their own personal injuries, property damage, loss wages, medical bills, etc., when involved in a car accident caused by an uninsured driver.

Sadly, of all the US states, Florida ranks at the top when it comes to the number of uninsured drivers behind the wheel, thus, the Perazzo Law Firm shares insight on how to handle car accident claims for personal injury, property damage, loss, or even wrongful death involving uninsured or under-insured motorists found at fault for accidents in Miami-Dade and Broward Counties.

To help cover the medical costs that motorists and passengers must face in the event of injuries sustained in an accident, PIP (Personal Injury Protection) is required by law for all Florida vehicle owners. However, some motorists operate vehicles with no insurance coverage at all. When and if these motorists crash into another motor vehicle, a pedestrian, or cyclists, and cause personal injury, property damage, or loss, someone must be held liable to compensate those on the receiving end of injury, damage, or loss. But what happens when an uninsured motorist is responsible for an accident, and what happens to the victims of such incidents? Who provides compensation for their personal injuries or losses, which can include medical bills, automotive repairs, and other expenditures brought onto them as a result of another motorists negligence?

Fortunately, there exists Uninsured and Under-insured Motorist Coverage, which is optional for motorists, but mandatory for insurance providers to offer and provide if registered vehicle owners wish to obtain it. According to State law, insurance companies are bound by law to offer UM (Uninsured Motorists) coverage to registered vehicle owners.


UM stands for Uninsured Motorist Insurance and this coverage aims to protect you, family members, and third party individuals that do not own a motor vehicle. Under State law, it is not mandatory for drivers to have bodily injury coverage, thus it provides the option to grant added protection to motorists in the event or property. damage, personal injury, or loss as a result of a car accident in Miami which involves an uninsured or underinsured vehicle owner.

The Perazzo Law Firm’s Miami and North Miami Personal Injury and Car Accident attorneys evaluate the different insurance policies available to motor vehicle owners in Miami-Dade and Broward County and help our Personal Injury and car accident clients best evaluate compensation claims from car accidents caused by uninsured or under-insured motorists.


UMI stands for UNDER-INSURED MOTORIST INSURANCE. Florida law states that all registered motor vehicle owners have at least $10,000 in motor vehicle insurance to protect either themselves or other motorists, individuals, or property in the event of a car accident. PIP insurance is mandatory according to Florida Law. However, many times, $10,000 is not enough to cover medical bills, property damage, loss, or even wrongful death, especially in an accident that causes severe personal injury, property damage or loss. An accident victims that suffers a broken arm, hip, leg, etc., will require medical treatment that will exceed the $10,000 mark. If there is damage to the victims vehicle and the injured party is unable to work because of the car accident, then the costs may reach $50,000 easily. If the car accident and the injuries are caused by an under-insured motorist, one that only has PIP coverage, then the negligent party may be faced with real difficulties in a car accident claim for compensation brought on by the injured party. UMI is of extreme added value to registered vehicle owners that allow others to operate their vehicles for commercial purposes. If a motorist fails to have UMI and falls victim to an uninsured or under-insured motorist then, he/she will be liable to cover his/her own medical expenses.


Each insurance policy holder can set his/her own limits according to their particular budget. This limit determines the highest amount payable by the insurance provider to cover personal injuries or losses by the victim or victims of a car accident.


PIP insurance is mandatory for registered vehicle owners and operators in the State of Florida. PIP insurance covers medical expenses to the injured parties in the insurance policy holder’s vehicle. In some cases, it may cover lost wages, damage to property, and more. Ideally, PIP in Miami is paid without regard to who is legally liable no matter of who is responsible for the accident. In most cases, the insured driver of the vehicle presents the claim to his/her insurance company. However, there are exceptions that may apply which allow individuals that have suffered personal injury as a result of the accident in Miami, to make their own PIP claim. A professional Personal Litigation or Insurance Claims Lawyer in Miami can provide all the right answers to any questions you or anyone concerned about PIP Insurance in a motor-vehicle accident in Miami.

Most PIP, UM or UMI insurance claims for car accidents in Miami are the result of many situations involving negligent drivers that cause car accidents resulting in personal injury, property damage, or loss, or even wrongful death. In wrongful death situations, Neither of the above insurance policies will cover compensation to the victims. Thus, it is always highly recommended to drive safely and obey traffic laws. That is the best way to make sure you and your loved ones are protected. However, car accidents may result from third party negligence and even from defective car parts or automotive service.

The types of car accidents in Miami may include:

  • Car accidents from being crashed into from behind
  • Car accidents from being crashed into from the side
  • Car accidents from being crashed into head-on
  • Car accidents due to drivers that crash because of negligent use of cell phones while driving.
  • Car accidents caused by intoxicated or drunk motorists that crash into other motor vehicles or pedestrians.
  • Car accidents involving motorists that fear encounters with police officials after a car accident. This is the infamous Hit and Run accident.
  • Car accidents ending up in rollover accidents. These usually result in serious personal injury and even wrongful death.
  • Motorcycle and Bicycle accidents. Quite too often motorcycle riders and cyclists fall victims to car accidents as they simply don’t get much respect by motorists. Sadly, quite often, motorcycle riders and cyclists fail to follow safety regulations aimed at protecting them when sharing common spaces with motor vehicles in Miami.
  • Car accidents that end-up inflicting personal injury upon pedestrians.
  • And many more types of car accidents

Following any of the above mentioned examples of car accident situations, a personal injury will probably filed on behalf of the injured party or parties. Passengers that are injured in car accidents have the legal right to file a lawsuit to compensate for medical expenses, loss of wages, or any other economic implications as a result of an accident that involves an uninsured or under-insured motorist in Florida. (See: Passengers in Car Accidents)

If you, a family member, or loved-one has fallen victims to an under-insured or uninsured motorist due to a car accident, Perazzo Law urges you to contact their Miami or North Miami Beach office ONLINE or CALL (786) LAWS-411 to receive your FREE initial consultation to discuss your legal rights to car accidents claims in any of the CITIES WE SERVE in Miami-Dade and Broward County.



The Perazzo Law Firm Atiende a la Comunidad Hispana en Miami-Dade y Broward

Client Reviews
Mr. Perazzo and his legal team are by far the best thing that could have happened to me after my accident. I felt devastated after being injured and Jonathan Perazzo brought a sense of relief to my woes. The expert legal advice and support I received from the Perazzo Law staff helped me to get on with my life as they handled all the legal matters. I am 100% satisfied. Thank you so much Jonathan and the Perazzo Law team! Henry R.
I am very happy! My accident made me very sad. Jonathan Perazzo helped me so much. He is the Best! During the whole time, I felt that Jonathan (JP) is my friend and not only my lawyer. I don't want to have another accident, but if I do, I want JP and his firm to take care of everything again. Thank you very much to all the team! Antonio P.
Jonathan Perazzo is an excellent lawyer and his team works in a such a professional way. Also, they helped me understand things about my case that I didn't understand. I am very happy with Perazzo Law and the results they got for me. There is nothing bad I can say about Perazzo Law. Jorge L.