uninsured motorist attorney
UM / UIM Coverage
Protecting you when the at-fault driver can't cover your damages.
Need Help With Your Case?
Our team is ready to review your case and explain your options. No upfront fees, ever.
Free Case Evaluation 305-771-6801Overview
Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage protects you when the driver who caused your accident doesn't have enough insurance, or any insurance at all, to cover your damages.
These claims can be complex because you're essentially filing a claim against your own insurance company. Insurers often try to minimize payouts, but we have the experience to fight for the full compensation you deserve.
Common Issues We Handle
You were hit by a driver with no insurance.
The at-fault driver's coverage doesn't cover all your damages.
Your insurer is offering a lowball settlement for your UM/UIM claim.
You were injured in a hit-and-run accident.
Your claim is being delayed or denied without valid reason.
How Ruiz Legal Helps
Analyze your UM/UIM policy to determine available coverage.
Gather evidence to prove the extent of your damages and injuries.
Negotiate aggressively with your insurer for fair compensation.
File suit against your insurance company if they refuse to pay fairly.
Pursue stacking of UM/UIM coverage if applicable to maximize recovery.
Frequently Asked Questions
Need Help With Your Case?
Our team is ready to review your case and explain your options. No upfront fees, ever.
Free Case Evaluation 305-771-6801