Uninsured Motorist Law in South Daytona, FL

Protect Your Rights After an Accident with an Uninsured Driver

Car accidents are stressful situations that become even more challenging when you discover the other driver lacks insurance. In Florida, where about 20% of drivers operate without insurance, knowing uninsured motorist law is essential for safeguarding your financial and legal interests. The Law Office of Brian R Toung, PA brings years of dedicated experience helping clients handle uninsured motorist claims in South Daytona and throughout Florida.

Uninsured motorist coverage (UM) offers financial protection when you're injured by a driver without insurance or with insufficient coverage. This protection is crucial since medical expenses and lost income can rapidly build up after an accident. Our firm thoroughly understands Florida's insurance regulations and will guide you through seeking appropriate compensation.

• Personal injury protection claims
• Uninsured motorist coverage disputes
• Underinsured motorist claims
• Hit-and-run accident cases
• Insurance bad faith claims
• Policy limit negotiations
• Medical bill recovery

If you've been injured by an uninsured driver, you shouldn't face insurance companies by yourself. Reach out to us to discuss your legal options.

Understanding Florida's Uninsured Motorist Laws

Florida uses a no-fault insurance system, which makes dealing with uninsured drivers more complex. While Personal Injury Protection (PIP) coverage is required by law and covers 80% of your medical costs up to $10,000 regardless of who caused the accident, this amount rarely covers serious injuries fully. Uninsured motorist coverage, though optional, provides crucial additional protection.

You might need to use uninsured motorist coverage in several situations:

• Accidents involving drivers without insurance
• Crashes with drivers whose coverage limits can't cover your damages
• Hit-and-run incidents when the driver can't be found
• Accidents when the other driver's insurance denies coverage
• Pedestrian or bicycle accidents caused by uninsured drivers

Many Florida residents aren't aware that uninsured motorist coverage can be "stacked," potentially increasing their coverage limits based on how many vehicles they insure under their policy. This insurance law detail can greatly affect your compensation amount, highlighting the importance of working with a knowledgeable attorney.

Why Choose The Law Office of Brian R Toung, PA

Having skilled legal representation can significantly impact the outcome of your uninsured motorist claim. The Law Office of Brian R Toung, PA delivers personalized service and proven results for every client we represent.

• Millions recovered for accident victims
• Over 40 years of legal experience
• Board certified trial attorney recognized by the Florida Supreme Court
• One attorney handles your entire case
• No recovery/No fee in personal injury cases
• Free initial consultation at our office, your home, or hospital
• Locally and family owned since 1983
• Certified mediator by the Florida Supreme Court
• Extensive academic credentials including degrees from multiple universities

Our approach differs from large firms where clients meet with different attorneys and staff members throughout their case. At The Law Office of Brian R Toung, PA, you work directly with Attorney Toung from your first meeting until your case concludes. This consistent representation ensures thorough attention to every detail of your case.

We know that legal processes can feel overwhelming, especially while recovering from injuries. That's why we explain complicated legal concepts clearly, keeping you informed throughout your case.

Contact Us

An accident with an uninsured driver can cause significant disruption to your life and finances. Florida laws offer certain protections, but using them effectively requires specialized knowledge. The Law Office of Brian R Toung, PA has helped many clients with uninsured motorist claims, obtaining the compensation they needed for recovery.



If you've been hurt in an accident with an uninsured or underinsured driver, acting quickly is important. Legal deadlines for filing claims are strict, and evidence needs to be collected promptly. Our firm can start investigating your accident, documenting your injuries, and building your case while you focus on healing.

Contact us today for a free consultation about your uninsured motorist claim and learn how we can help you get the compensation you deserve.

Common questions

Can I still recover damages if I'm hit by a driver who flees the scene?

Yes, you can potentially recover damages through your uninsured motorist coverage if you're involved in a hit-and-run accident. In Florida, hit-and-run incidents are treated similarly to accidents with uninsured drivers. To qualify for coverage, you typically need to report the accident to the police within 24 hours and to your insurance company as soon as possible. You'll need to demonstrate that actual physical contact occurred between your vehicle and the hit-and-run driver's vehicle (in most cases), and provide evidence of your damages. A qualified attorney can help gather necessary evidence, including witness statements, surveillance footage, and expert testimony to support your claim.

How long do I have to file an uninsured motorist claim in Florida?

In Florida, you generally have five years from the date of the accident to file an uninsured motorist claim, as it falls under the statute of limitations for contract disputes (since you're filing against your own insurance company). However, there are often contractual requirements in your insurance policy that require prompt notification of the accident, usually within 30 days. Additionally, if you're considering a personal injury lawsuit against the at-fault driver, Florida's statute of limitations is four years from the date of the accident. Due to these varying deadlines, it's advisable to consult with an attorney as soon as possible after an accident.

What is uninsured motorist coverage and why do I need it in Florida?

Uninsured motorist coverage is an optional insurance that protects you if you're injured by a driver who has no insurance or insufficient coverage to pay for your damages. In Florida, approximately 20% of drivers are uninsured, making this coverage particularly important. While Florida's no-fault system requires Personal Injury Protection (PIP), this only covers 80% of medical expenses up to $10,000, which is often inadequate for serious injuries. Uninsured motorist coverage helps bridge this gap, covering additional medical expenses, lost wages, pain and suffering, and other damages that PIP doesn't address.