How Uninsured Motorist Coverage Can Save You After a Car Accident in Tampa
Uncategorized   |  August 9, 2023
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How Uninsured Motorist Coverage Can Save You After a Car Accident in Tampa

What is Uninsured Motorist Coverage?

Uninsured Motorist (UM) coverage is a critical component of car insurance policies. It steps in to protect you financially when involved in a car accident with a driver who doesn’t have auto insurance or has insufficient coverage.


Protect yourself from any legal challenges related to your car accident case. With years of experience, Kemp Law Group is here to help. Call us today at 727-847-4878 free of charge or obligation to discuss your car accident case.

Car accident

Florida’s No-Fault System: A Brief Overview

  • The Florida no-fault system means each driver’s own insurance covers their losses, regardless of who caused the accident.

  • However, in the case of a severe injury, victims can step outside this system and pursue a claim against the at-fault driver.

Why Uninsured Motorist Coverage Matters in Tampa


There are several reasons why having UM coverage is essential:

  • High Number of Uninsured Drivers: Despite the no-fault system, a significant percentage of drivers in Tampa and the broader Florida state drive uninsured.

  • Financial Protection: UM coverage ensures that you’re protected from the financial implications of an accident with an uninsured driver.

  • Peace of Mind: Knowing that you’re protected, even if the other driver isn’t insured, offers invaluable peace of mind.

How Does Uninsured Motorist Coverage Work in Tampa?

  • In the event of a car accident where the at-fault driver is uninsured, your UM coverage will step in.

  • It can cover medical bills, lost wages, and even property damage in some cases.

What About Underinsured Motorist Coverage?

Underinsured Motorist (UIM) coverage is equally important. If the at-fault driver has insurance but it’s insufficient to cover your bills, UIM coverage can fill the gap.

Can You Sue an Uninsured Driver in Tampa?

Yes, you can sue an uninsured driver in Tampa. However, the process can be challenging and lengthy. Having a knowledgeable car accident lawyer in Florida will streamline the process.

How to Choose the Right UM Coverage

When selecting the right UM coverage:

  • Evaluate your risk: Consider how often you drive and the areas you frequent.

  • Consult with a lawyer: They can provide guidance on the appropriate amount of coverage based on potential risks.

The Role of a Car Accident Lawyer in Florida


Engaging a car accident lawyer in Florida can be beneficial when dealing with UM claims. They can:

  • Help you understand the nuances of the law.

  • Assist in gathering evidence.

  • Guide you through the claim process.

Understanding Tampa’s Uninsured Car Accident Scenarios: An Analogy

Imagine dining at a restaurant where you’ve footed the bill for everyone. Suddenly, a guest who didn’t contribute demands the most expensive dish. This scenario mirrors the dilemma when an insured driver meets an uninsured one on the road. The latter doesn’t contribute to the insurance system but can cause financial strain to the former. UM coverage acts as a safeguard, ensuring you don’t bear the brunt of someone else’s negligence.


FAQs About Uninsured Motorist Coverage in Tampa

1. Who pays for car damage in Florida’s no-fault system?

 In Florida’s no-fault system, your own insurance typically covers your car damage.

2. Can you sue someone for no insurance in a Florida car accident?

Yes, you can sue an uninsured driver in Florida. However, recovering compensation might be challenging.

3. What’s the difference between uninsured and underinsured motorist coverage?

Uninsured Motorist coverage is for drivers with no insurance, while Underinsured Motorist coverage comes into play when the at-fault driver’s insurance is insufficient.

4. Is it mandatory to have UM coverage in Tampa?

No, UM coverage isn’t mandatory in Tampa, but it’s highly recommended given the number of uninsured drivers.

5. How do I claim UM coverage after a car accident in Florida?

Immediately after the accident, notify your insurer, document the scene, and consider consulting a car accident lawyer in Florida to guide you through the claim process.


Locating the Best Car Accident Lawyer


If you or someone you know has experienced a car accident, contact Kemp Law Group personal injury lawyers at 727-847-4878 today. Our award winning track record proves that we are capable of handling your case and obtaining the compensation you deserve.



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