Florida Uninsured Motorist Accident Lawyer

Hit by an Uninsured Driver? We’ll Help You Recover What They Can’t Pay.


Getting into an accident is hard enough—but finding out the at-fault driver has no insurance can be a devastating blow. Unfortunately, Florida has one of the highest rates of uninsured drivers in the nation, meaning thousands of crashes each year involve drivers who can’t cover the damage they cause. When that happens, your best option may be your own uninsured/underinsured motorist (UM/UIM) coverage.


At the Law Offices of Comras & Comras, we help injured clients across South Florida unlock the coverage they’ve paid for—often after their own insurer tries to avoid paying. If an uninsured driver caused your injuries, David A. Comras is the experienced trial attorney you want fighting for your rights. We understand insurance tactics, and we don’t tolerate excuses.

📞 Call us today for a free consultation: (954) 765 3740 

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What Is Uninsured/Underinsured Motorist Coverage?

UM/UIM coverage is an optional policy in Florida that protects you when:

  • The at-fault driver has no insurance
  • The driver’s policy limits are too low to cover your damages
  • You’re the victim of a hit-and-run
  • The other vehicle flees the scene before being identified

Even though this is your own insurance, companies often make you fight for the benefits you’re entitled to. That’s where we come in.

Medical Expenses

Emergency care, surgeries, physical therapy, and future treatment costs.

Lost Wages

Compensation for time missed at work and reduced earning capacity.

Pain and Suffering

Emotional distress, mental trauma, and long-term effects of the accident.

Property Damage

Repair or replacement of your vehicle and damaged personal property.

Wrongful Death

Compensation for families who lost a loved one in a fatal accident.

If you’re unsure what your case is worth, contact Comras & Comras  today for a free case evaluation.

Their Insurance Failed You. Yours Shouldn’t.

If you’ve been injured by an uninsured or underinsured driver, don’t settle for less than you deserve. We’ll hold your insurer accountable and fight to recover everything you’re owed.

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Distracted Driving – Texting, eating, or using GPS behind the wheel.

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Drunk Driving Accidents – Holding intoxicated drivers accountable.

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Speeding and Reckless Driving – Drivers who endanger others by ignoring traffic laws.

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Failure to Yield or Stop – Running red lights or ignoring stop signs.

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Hit-and-Run Accidents – Seeking justice when the at-fault driver leaves the scene.

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Poor Road Conditions – Accidents caused by unmaintained or hazardous roads.


The steps you take immediately after a crash can significantly affect your ability to recover compensation:

What to Do After an Uninsured Driver Accident

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Call 911 – Always report the accident to law enforcement.

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Seek Medical Attention – Even if you feel fine, injuries can appear later.

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Document the Scene – Take photos, gather witness information, and get the other driver’s details.

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Exchange Information – Even if the other driver admits they have no insurance.

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Notify Your Insurance Company – But don’t accept a settlement without legal review.

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Contact a Florida Bicycle Accident Lawyer – The sooner you call Comras & Comras Law, the stronger your case.

If you’re feeling overwhelmed, we’re here to help. Contact us today for a free consultation.

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Start Building Your Case Today

Frequently Asked Questions About UM/UIM Accident Claims

  • 1. What if the at-fault driver fled the scene of the accident?

    This is legally considered a hit-and-run—and you’re still eligible to file a claim under your uninsured motorist policy. Your insurer may require police documentation and evidence of impact, so acting fast is critical. It’s also important not to give a recorded statement to the insurance company until you’ve spoken to a lawyer.


    At Comras & Comras, we guide clients through hit-and-run cases frequently. We make sure the insurance company doesn’t twist your words, delay your claim, or try to deny coverage based on technicalities.

  • 2. Can I still recover compensation if the other driver had some insurance, but not enough?

    Yes. If the at-fault driver’s policy limits are too low to cover your injuries, your underinsured motorist coverage can make up the difference—up to your policy’s limit. However, these claims often get bogged down in disputes over what qualifies as “excess” coverage and whether your insurer is obligated to pay.


    We fight to maximize your claim. Our team will analyze both policies, calculate your true damages, and push your insurer to pay everything you’re owed—without delay.

  • 3. My own insurance company is delaying or lowballing my UM claim. What can I do?

    You can hire legal counsel—and you should. Insurance companies may treat you like the enemy once a UM claim is filed, even if you've been a loyal customer for years. Their priority is their bottom line, not your recovery. They may deny your injuries, dispute your medical care, or offer far less than what your claim is worth.


    At Comras & Comras, we’re not here to play nice with insurers. We apply pressure, gather evidence, and take cases to trial when necessary. Your policy is a contract—and we make sure it’s honored.

    Comras & Comras acts quickly to identify every available source of recovery. We don’t take “there’s no coverage” for an answer—we investigate until every legal avenue is exhausted. Our experience litigating against major insurers gives us the leverage needed to secure fair results.

    At Comras & Comras, we’ve handled numerous hit-and-run cases and know how to navigate the added complexity they bring. Whether you were hit by a speeding car, a rideshare driver, or a commercial vehicle, we leave no stone unturned in tracking down coverage sources and pursuing every available path to compensation. Don't give up—call us and let us investigate on your behalf.

  • 4. Do I have to use my health insurance first if the other driver had no insurance?

    Not necessarily. In many cases, you can pursue a UM claim before involving your health insurer. However, the sequence of coverage and how claims are coordinated can be confusing—and insurance companies often use that confusion to their advantage.


    Our team handles this coordination for you. We ensure all bills are submitted properly and that no insurer escapes responsibility through loopholes or “fine print.” You focus on healing—we handle the rest.

  • 5. Why should I hire Comras & Comras for my uninsured driver accident claim?

    Because we understand what’s at stake when your own insurance company becomes your opponent. David A. Comras is a seasoned trial lawyer who’s successfully handled countless UM/UIM cases across Florida. We’re known for swift action, clear communication, and real results.


    Our clients get hands-on representation, honest guidance, and relentless legal support from day one. If you’re fighting an uphill battle after a crash, we’re ready to take the weight off your shoulders.


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Why Choose Comras & Comras Law for Your Case?

When it comes to car accident claims, experience matters. Here’s why clients trust Comras & Comras Law:

Proven Results – We have secured millions for our clients.

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Personalized Legal Support – We treat every client like family, ensuring your case gets the attention it deserves.

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We Handle Insurance Companies – Don’t let insurers lowball your claim—we fight for full compensation.

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No Fees Unless We Win –  You don’t pay us a dime unless we win your case.

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