Underinsured & Uninsured Motorist Claims After Car Accidents in Fort Myers

If you were injured in a Fort Myers car accident caused by an uninsured or underinsured driver, you may feel overwhelmed and unsure where to turn. Wolfson & Leon has represented Florida injury victims since 1963, helping them navigate complex insurance claims and secure the compensation they deserve.

With offices in Fort Myers, we offer free consultations and no fees unless we win. Call (239) 777-9954 to speak directly with an experienced Fort Myers uninsured motorist lawyer today.

Understanding Uninsured and Underinsured Motorist Coverage in Florida

Florida’s insurance laws make uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) essential. Because Florida only requires Personal Injury Protection (PIP), many drivers carry no bodily injury insurance at all.

• UM coverage applies when the at-fault driver has no liability insurance.
• UIM coverage applies when their limits are too low to cover your medical bills and losses.

At Wolfson & Leon, we help Fort Myers residents file and litigate these complex claims, whether the accident happened on U.S. 41, Colonial Boulevard, Daniels Parkway, or I-75.

Common Causes of UM/UIM Claims in Fort Myers

Uninsured and underinsured motorist cases often arise from the same careless acts that cause most collisions:

• Distracted driving – texting, GPS use, or eating while driving
• Speeding and reckless driving – frequent along Cleveland Avenue (U.S. 41) and near I-75 exits
• Driving without valid insurance – especially among high-risk or out-of-state drivers
• Hit-and-run accidents – when the at-fault driver flees the scene
• Drunk or impaired driving – a leading cause of severe local crashes

Common Injuries in Uninsured Motorist Accidents

Victims in these crashes often suffer catastrophic injuries that require extensive medical care:

• Whiplash and soft tissue injuries
• Fractured bones and dislocations
• Spinal cord injuries and paralysis
• Traumatic brain injuries (TBIs)
• Internal bleeding and organ damage

You shouldn’t bear these costs alone.

Why You Need a Lawyer for a UM/UIM Claim

Filing a UM or UIM claim means going against your own insurance company—not the other driver’s. That’s why it’s crucial to have an attorney who understands insurer tactics and fights for your rights.

The Fort Myers uninsured motorist attorneys at Wolfson & Leon will:

• Investigate your crash and identify all applicable policies
• Analyze coverage limits and policy language for hidden benefits
• Negotiate assertively with your insurer for fair compensation
• Litigate bad faith claims when insurers fail to act properly

With no fees unless we win, you can focus on recovery while we handle the insurers.

Fighting Insurers Like GEICO, Allstate, and Progressive GEICO Uninsured Motorist Claims

GEICO frequently disputes UM and UIM claims by arguing that injuries aren’t severe enough or weren’t caused by the crash. Our attorneys gather medical records, accident reconstruction reports, and expert testimony to prove the full extent of your damages.

Allstate Uninsured Motorist Claims

Allstate often attempts to settle UIM cases for far less than victims deserve. Wolfson & Leon’s lawyers know Allstate’s negotiation strategies and use decades of experience to maximize your recovery.

Progressive Underinsured Motorist Claims

Progressive may delay or deny claims by questioning liability or requiring excessive documentation. We ensure Progressive complies with Florida Statute § 627.727 and acts in good faith toward policyholders.

Each insurer uses different claim-handling practices, but Wolfson & Leon’s team has decades of experience dealing directly with all major carriers across Florida.

Florida Laws & Local Crash Data

Florida does not require drivers to carry bodily injury coverage, leaving many motorists uninsured. According to recent state data, nearly 1 in 5 Florida drivers lack adequate insurance.

Under Florida Statute § 627.727, insurance companies must offer UM coverage, and any rejection must be in writing. If you didn’t sign a valid waiver, your insurer may still owe you coverage.

Major accident hotspots in Fort Myers include intersections along I-75, Colonial Blvd, Cleveland Avenue, and Daniels Parkway—all of which see frequent serious collisions involving uninsured motorists.

Frequently Asked Questions About UM/UIM Claims in Fort MyersGet Help From a Fort Myers Uninsured Motorist Attorney

When a careless driver lacks proper insurance, Wolfson & Leon stands up for the injured—fighting insurance giants and protecting your rights.

Call (239) 777-9954 for your free consultation with the Fort Myers accident lawyers at Wolfson & Leon. We’re here to help you recover what you’re owed under the law.

---