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 Injuries Will Florida UM Cover?

If you were severely injured by a negligent motorist, you may have cause to file a claim under your Florida UM policy (if you have one).

And while UM covers many car accident injuries, it does not pay damages in all situations.

UM—Uninsured or Underinsured Motorist coverage—protects you in the event the at-fault driver either has no insurance, or has insufficient insurance to cover your damages. When you file a claim for uninsured motorist benefits with your insurance provider, that provider “stands in the shoes” of the uninsured motorist.

Your TK Law attorney will help you locate all available insurance to pursue. This includes confirming whether the at-fault driver has liability insurance. If the driver has no insurance or too little insurance to cover the extent of your injuries, then UM coverage will apply.

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

What types of injuries will Florida UM cover?

Generally UM insurance covers economic damages such as medical bills, loss of income from missed work, loss of future income and future surgeries or other medical expenses resulting from the automobile accident.

If your injuries meet the “permanent injury threshold” then UM will cover vital non-economic damages which includes compensation for pain and suffering, mental anguish and loss of consortium.

If you have lost a family member or loved one as a result of an uninsured driver’s negligence, then you may be also able to file a wrongful death claim for damages under the UM policy.

Identify all your injuries.

You might think that you are not severely hurt. Yet the devastating and long-term extent of car accident trauma, such as internal injuries, spinal damage, or even bone fractures, may not fully present until weeks or even months have passed.

Representation from an experienced personal injury lawyer is vital in order to obtain the maximum amount of recovery for late-appearing injuries. Your TK Law attorney will ensure you are medically taken care of, and take every action to obtain full and fair compensation for all injuries.

Contact us to discuss your case as soon as possible.

Coverage of Injuries under Florida UM Policies

A whole body of case law has evolved dealing with uninsured/underinsured motorist benefits. Certain conditions surrounding the injuries and the uninsured motor vehicle must be met to file a UM claim.

Every case is different and it is wise to seek out a skilled and experienced lawyer to confirm how insurance benefits will apply in your case.

Below are some basic scenarios:

Causation Must Be Connected to the Uninsured Vehicle

Florida Statutes require that a cause and effect relationship must exist between the uninsured vehicle and the injuries for which you seek UM coverage. In other words, in order for UM to be activated, you need sufficient evidence supporting that injuries sustained in the accident have in some way been caused by the uninsured automobile.

Sometimes causal connections are easily confirmed. Other times it becomes a complex legal matter. If there is any question about the causal connection of your car accident injuries, it is a good idea to have an experienced attorney representing you.

Injuries Occurring Outside of the Automobile

This includes:

  • If injured while getting out of a vehicle, the injured party is still regarded as occupying the vehicle;
  • If someone is injured when riding in the back of a pickup truck – they are regarded as occupying a motor vehicle;
  • An insured changing his own tire may be covered by UM. On the other hand, an insured changing a tire on a broken-down automobile after leaving his own automobile is not covered.

Injuries Caused by Odd Circumstances

Florida case law offers multiple examples wherein Florida UM coverage may or may not apply, depending on differing and peculiar circumstances.

For example:

  • A passenger in an uninsured vehicle was severely injured when someone threw a rock that broke the windshield and struck the passenger. The maintenance or operation of the vehicle in which the passenger was riding did not in any way contribute to the cause of the injuries; therefore UM coverage did not apply.
  • An uninsured driver collided with a livestock trailer hauling bulls, and the bulls escaped. A nearby person, while trying to run away from the bulls, was injured as a result. The Court found that since the injuries were triggered by the collision, the injury victim was able to file a claim under Florida UM.

Orlando Attorneys Analyze the Complexities of your Injury Case

Be confident that TK Law investigates every aspect of your claim. We take into account how both juries and insurance companies assess your injuries.

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

We examine factors in your personal injury case to determine causation, liability, comparative negligence, insurance availability and set-offs, and much more. These and other elements of your case, right down to the lawyer you select, play a part in recovering a favorable settlement offer.

Your insurance carrier does not want you to have an informed opinion. They hope you do not understand your insurance options and settle quickly, which generally means they pay far less than a full settlement.

Call us today to arrange a free consultation for the experienced legal counsel and protection you deserve.

Free Case Review

All free case evaluations are reviewed by our legal team. For immediate assistance, please call us at 407-834-4847.

Car Accident Law Information


Make Your Best Decision Today


Schedule your case review so we can help you.



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



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.



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.​


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.


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.


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

Service Areas

Orange & Seminole County, Florida.