Uninsured Motorist Answers from Attorney Kweku Darfoor

• The driver who hit me has no insurance. Now what? The four sources of recovery we check, in order, and why your own policy usually comes first.
• How does uninsured motorist coverage work in Florida? What UM pays, who it covers, and how a claim against your own insurer unfolds.
• Stacked vs. non-stacked UM: what did I buy? Why one word on the declarations page can double or triple a recovery.
• Can I make a UM claim after a hit-and-run if the driver was never found? No physical contact required, but proof is everything.
• I don’t remember rejecting UM coverage. Am I still covered? The state-approved form, what happens when the insurer cannot produce it, and how we check.
• The at-fault driver only has a $10,000 policy. What now? Underinsured claims, the certified-mail notice, and the 30-day consent rule.
• Can I use a family member’s uninsured motorist coverage? Resident relatives, household policies, and who counts as a Class I insured.
• My own insurer is lowballing my UM claim. Is that bad faith? What the law requires after HB 837, and what a bad-faith claim can recover.

More answers are added regularly. If your question is not here, ask us; the consultation is free.