American College of Attorneys Best of the Bar Award
10.0 Avvo Superb Lawyer Rating
Top 100 Trial Lawyers Award
Orlando Top Lawyers 2012 - 2024
Best Lawyers in America Award
Super Lawyers 2024 Award
Florida Legal Elite Award
Best Lawyers 2024 Award
Orlando Sentinel Best Bets Lawyer Award

What Is a Set Off in a Florida UM Claim?

When you file a personal injury claim under Uninsured Motorist/Underinsured Motorist (UM) insurance, it is important to know about “set offs.” Read on to understand what constitutes a set off in a Florida car accident claim, and how set-offs affect the overall settlement amounts in an injury claim involving UM benefits.

If you are injured in a Florida car collision in which the at-fault driver carries little or no liability insurance, you may file a claim under your UM policy. UM protects you in the event the person who causes an accident and injures you is not insured, or is insufficiently insured, or a hit-and-run driver injures you.

Speak with an experienced Florida attorney at our firm today.
Call 855-Kramer-Now (855-572-6376)
.

In a case involving serious or permanent bodily injury, UM coverage will help you recover money damages for:

  • Wage loss
  • Medical bills
  • Future economic loss such as loss of income, long-term disability or future hospitalization or surgeries
  • Pain and suffering
  • Mental anguish
  • Loss of consortium

What is a Set Off?

In any automobile accident involving injuries, various forms of insurance often come into play. Multiple insurers may pay benefits on a single claim.

For example, when you go to the ER or the doctor’s office for medical treatment for injuries, you would give each care provider all of your insurance coverage information. This may include PIP, Medpay, Worker’s Compensation, Medicare and other health insurance.

When this happens, coverage sometimes overlaps. It is possible for an insured to get double recovery in certain cases.

UM providers are entitled to set off—deduct from the claimant’s damages—an amount of money paid to an injured party from some other coverages or other transactions. Otherwise, a claimant would stand to collect twice on an award of benefits.

Set-offs are Governed by Florida Statute

Fla. Stat. § 627.727 says that UM benefits are intended to be over and above, but not duplicating the benefits available to you and your insureds under various forms of insurance or other coverage. It is up to the UM provider to show duplication of benefits.

What Set-Offs Can You Expect in a Florida UM Claim?

Personal Injury Protection (PIP) and Medical Payment Coverage (MedPay):

PIP and MedPay are allowed to be set off against an award of UM benefits. An exception to the rule is, in cases where PIP or MedPay benefits are pending award and are still available, the UM provider cannot set off for anticipated or “likely” coverage.

Workers’ Compensation:

Workers’ Compensation benefits that have been paid, or are due and payable, may be set off against UM coverage.

However, the UM provider cannot set off for “likely” coverage. As portrayed in USAA Cas. Ins. Co. v. McDermott, the Florida Court of Appeals held that a UM insurance provider is not entitled to a setoff for workers’ compensation benefits that were likely to be available or payable to the employee in the future.

UM Awards May Also be Set Off Against:

  • Disability benefits or similar compensation under similar law;
  • Bodily injury limits of the uninsured, at-fault motorist’s automobile liability policy.

Medicare Benefits Are Not Set Off

Medicare benefits will not be offset from a UM award. Medicare is a Federal health insurance program targeting a specific set of people for their general welfare: individuals over age 65, those under age 65 with certain disabilities, and people with permanent kidney failure needing dialysis or a kidney transplant.

Therefore, Medicare cannot be compared to UM insurance coverage, which compensates an insured for injuries triggered by an automobile accident caused by an uninsured vehicle.

Know Your Legal Rights

If you were recently injured in an Orlando car accident, you need precise, insightful answers to questions about insurance coverage and many other details you have never before faced.

We urge you to call TK Law for straightforward, practical advice based on the facts of your case. It costs nothing to have your case reviewed by our injury lawyers.

A full service law firm, TK Law is here to protect you, your family, your home, and your business with any legal issue, one firm for life.

HOW TO GET STARTED

Make Your Best Decision Today

STEP 1

Schedule your case review so we can help you.

STEP 2

Consultation

During your consultation we’ll review your options and see if we’re a right fit for you.

STEP 3

Representation

If we take on your case, you’ll be represented by the best.

Get Your Free Case Evaluation Today

The Orlando divorce lawyers at TK Law are deeply committed to the individuals and families they serve. We are here to help you resolve each legal concern so you can regain control and move forward with your life. You will also have a steadfast, accomplished advocate in your corner to fight for what matters most if a dispute goes to trial.

We know how overwhelming conflict can be and how painful it is to see a marriage end. We will guide you through this difficult process before, during and after your divorce.

Contact our offices today to schedule a confidential consultation with one or our family law attorneys, or call us at 855-572-6376.

407-834-4847

#1 RATED DIVORCE LAW FIRM IN SEMINOLE COUNTY*​

Our best awards are
client victories

Roy P.
Mar. 2024
Read More
Gastell and Kayla were awesome! They helped me make it through a very challenging time in my life with kindness and compassion. They were always available to answer my questions and kept me up to date. Their counsel was extremely helpful in aiding a resolution that I am very satisfied with.
Carmen D.
Mar. 2024
Read More
I give this law firm a 5 star. Ray and Janelise helped us with our probate issue and made the process a lot easier for us to finalized all of it. We're very thankful to this law office and recommend them for any legal issues.Thank you Janelisse and Ray and the entire office .
Alysia T.
Jan. 2024
Read More
I am thankful to Janelise and Kayla at TK Law for a fantastic job. Kayla guided me through every step of my divorce process. She is patient, professional, and honest. I highly recommend them!
Chris O.
Dec. 2023
Read More
This was first experience hiring a law firm and I am very happy that I hired TK Law. My attorney Janelise and Paralegal Kayla were kind, knowledgeable and made the process easy. They were quick to respond when I needed revisions to my document and the final outcome was perfect. If I ever need legal help in the future, I will not hesitate to contact TK Law again.

*Top-rating from clients and award publications such as Orlando Weekly, US News & more.​

GET YOUR FREE CASE EVALUATION TODAY

Schedule Your Case Evaluation

We offer payment plans, accept credit cards, are available for evening appointments and our main office is conveniently located right off of I-4, between 436 and 434. For immediate help call: 407-834-4847.

Disclaimer

The information found here is for general information purposes only. Nothing on this site should be taken as legal advice for any situation or individual case. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.

Contact

Phone: 407-834-4847
999 Douglas Ave #3333, Altamonte Springs, FL 32714

Service Areas

Orange & Seminole County, Florida.

Social
Resources