Uninsured Motorist Accident Litigation

If you were injured due to someone else's negligence, you may be entitled to significant compensation. Contact one of our experienced lawyers at (561) 293-2600 for legal advice and representation.

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Osborne & Francis

Our Accident Attorneys Obtain Compensation for Uninsured Motorist Claims

More than 25% of Florida drivers are uninsured

If you are involved in an accident caused by an uninsured motorist, consult the accident attorneys at Osborne & Francis, PLLC for legal guidance. Our knowledge and experience gives you the best chance of recovering costs and damages resulting from the accident. Many drivers elect to avoid the cost of insurance coverage and either are completely uninsured, or choose policies with the lowest limits possible. In the event insurance does not cover damages, we pursue other avenues of obtaining compensation for you and your loved ones.

Continue reading to learn how an attorney can help you with your car accident case.

Video Transcript

So you've been in a car accident. What happens next? There are many things that you should do but here are the three most important:

Number One: See a doctor immediately. 

A broken bone is easy to see, but some injuries are not. The most common injuries from car accidents happen in the neck, back, or head. The only way to diagnose and treat them is by seeing a doctor. A doctor can help ease the pain, provide medication, reassure you of how your injury may impact your daily life, and tell you what not to do to make it worse.

A visit to the doctor can also give you legally protected time off to recover and rest your body after an accident, and it documents and provides the evidence you may need for your case. Even a five-mile-per-hour car accident can cause a serious injury. So whether you've had a severe accident or a minor collision, see a doctor. And if you don't have medical insurance, let us know and we'll make sure that you receive the proper care. 

Number Two: Write everything down.

Even if it seems small, during times of stress or injury it is common to forget the little details. Make sure you keep note of the pain that you're in. With neck, back, and head injuries, sometimes simple activities such as walking up the stairs or picking up a toddler may cause severe pain. 

You may not be sleeping well at night. Documenting how much you sleep and how often you wake up due to pain is also very important. And lastly, if you have any cuts or bruises, take daily photos as you heal. This will provide visual evidence of the injuries that you've suffered. 

Number Three: Do not speak to an insurance company until you've spoken to a lawyer.

Please understand that the insurance adjuster works for a billion-dollar corporation and not for you. Their interests are solely for their insurance company, and their goal is to provide you with the least amount of financial settlement as quickly as possible. When you do speak with them, remember they will record the conversation. Why do they do this? Because they've been trained to ask questions that may confuse you. So talk to us before you talk to them. 

So remember: See a doctor, document everything, and call us before calling the insurance company for your free private consultation. We are here for you. Real tough lawyers fighting real tough issues.

contact our office to speak to a lawyer.

do you still have questions?


How do I recover my costs if I am injured by an uninsured motorist?

There are two possible situations where insurance may be inadequate to cover your damages from a vehicle accident:

  1. Your No-fault Insurance Coverage: If you are injured and have the Florida legal minimum coverage, your insurance company will only pay 80% of your actual medical costs and 60% of your lost earnings. These amounts are payable up to policy dollar limits, regardless of who caused the accident, but depending on your policy the total payment may be insufficient.
  2. The Other Driver was Uninsured: The other driver caused the accident, but was uninsured and there is no policy to pay the additional, uncovered amounts of your damages.

If the other driver caused the accident and was uninsured, then you may be paid the additional amount of damages from your own insurance company, but only if you purchased uninsured motorist benefits with your own policy. However, not everyone elects this voluntary coverage. In some cases, even if you have uninsured motorist coverage, your insurer may attempt to deny full payment.

Pursuing civil damages against the uninsured motorist may be an option

Driving without insurance in Florida is illegal, and there are serious repercussions for the driver, including criminal charges and drivers license suspension. However, this does little to offset your costs and damages, so our accident attorneys are committed to filing a personal injury suit on your behalf as a last resort to recovery. If the uninsured motorist caused the accident, then failure to have adequate coverage is a clear breach of their duty to other drivers on the highway. We file a civil case and attempt to obtain a judgment to access the driver’s assets and wages to fulfill your right to full compensation.

J. Davis

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“I couldn’t have asked for a better lawyer/ firm — everything was done professionally exactly how I wanted. Due to COVID my personal attorney Mr. Garcia was still able to make things work in a timely manner and he never made me feel like he wasn’t working. Overall I’m happy with how my case turned out and I would recommend him and this law firm to anyone. 100% satisfied.”

T. Andrews

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“Attorneys Greg Francis and Ryan Fletcher at Osborne & Francis Law Firm represented me in my personal injury case.The defendant drew a line in the sand and was adamant on a settlement amount I was almost willing to accept. After the dust settled and the smoke cleared, we settled for 3 times that amount!!! When they say ‘Real Tough Lawyers,’ they mean it.”

Erica F.

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"Best personal injury attorney around, I could not be happier! I was seriously injured in a car accident and Osborne and Francis helped me through the entire process. I was blown away by how knowledgeable the staff and attorneys are at this incredible law firm. I would not hesitate to recommend this law firm to friends and family!"

C. Smith

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“I am so thankful for EVERYONE, the entire staff at Osborne & Francis Law, for mentoring me through the mediation process with my hip replacement failures. I didn't realize how MUCH pressure they relieved me of by helping me deal with the reality of this traumatic time in my life, as it was OVER so quickly with a positive result. My family is grateful to have their mom HAPPY & FOCUSED on the future, rather than worrying over what happened in the past! FAST FORWARD, we are LIVING LIFE to the fullest once again!”


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Quick and fair resolution to a unique case. On advice of my own attorney, I engaged Joseph Osborne of Osborne & Francis of Boca Raton, FL. Mr. Osborne had considerable experience in cases such as mine and the results showed that. Mr. Osborne and his staff were very helpful, kept me up to date, and listened to my input. The settlement was very fair as far as I am concerned.

E. Holland

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Dennis and the other Osborne & Francis staff were amazing! Our case was HUGE and required tender loving care. Everyone on our case did their part by putting all the puzzle pieces together. We were given step by step updates and put at ease when our nerves got the best of us. For every inquiry we made we received a timely response...You are appreciated!

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Contact our accident attorneys today for a free consultation

Uninsured motorists who fail to take responsibility for obtaining adequate coverage do not deserve to walk away without compensating innocent victims for the injuries they caused. The accident attorneys at Osborne & Francis pursue every legal avenue possible to obtain compensation for your injuries.  Contact us by phone at (561) 293-2600 or online for a free consultation.

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