Free Consultation 561-208-3700
No Fee Unless You Win
No Fee Unless You Win
If you own a motor vehicle, having insurance can help protect you from harms caused during an accident. But meeting Florida’s minimal standards alone does not come close to fully protecting you. Without uninsured/underinsured motorist coverage (also known as “UM or UIM”), you risk having to pay a significant amount of money out of your own pocket in the event that you’re injured in a crash and the other driver is uninsured or does not have bodily injury liability coverage on their policy. According to the Insurance Information Institute, an alarming 20.4% of Florida drivers are uninsured altogether, and Florida does not require drivers to carry bodily injury liability coverage While some may think they don’t need uninsured motorist coverage, it’s the best way to protect yourself from harm caused by uninsured or underinsured drivers. Hersh Kirtman Injury Law has the necessary experience to help you achieve a favorable outcome in your uninsured motorist claim.
It’s not easy for car accident victims to be made whole after a crash. Insurance companies and defense attorneys fight hard to limit the damages paid to victims. Our compassionate lawyers understand the legal strategies needed to handle every aspect of your claim. We work with you to gather the facts of your case in order to tell your story. With our unmatched dedication to personal service, advanced negotiation skills, and thorough understanding of the law you can rest assured you are in the right hands.
If you own a vehicle with at least four wheels in Florida, state law requires a minimum amount of personal injury protection (PIP) and property damage liability (PDL) insurance. You must also carry proof of this insurance with you when you drive. While you hope to never use this insurance, all drivers must carry the following minimum coverage:
PIP coverage covers costs like medical expenses and lost wages for those injured in an accident. This insurance is also called no-fault coverage because it pays out accident claims no matter who’s responsible. PDL insurance helps pay for any damage a driver causes to another person’s property.
Florida drivers are not required to carry bodily injury liability insurance that allows you to recover fair compensation when an at-fault driver injures you. Uninsured and underinsured drivers who drive negligently leave the injured parties without any source of financial recovery to pay for care and treatment related to the damages they suffered. This is why carrying uninsured/underinsured motorist (UM) coverage is so important.
UM insurance protects you if you are injured in a crash caused by an uninsured driver or if your injuries were caused by a driver whose bodily injury liability coverage is less than the value of the damages caused to you. Types of uninsured motorist coverage in Florida include the following:
Unfortunately, even with this type of coverage, your insurance carrier may attempt to undermine your claim and lowball you. Hersh Kirtman Injury Law attorneys are all too familiar with these tactics and fiercely advocate for a fair resolution, whether by settlement or jury verdict.
Founding Partner
A passionate advocate for injury victims, Michael transitioned from corporate law to fighting for individuals after a pivotal case defending an elderly couple. With over $100M in verdicts and settlements, he specializes in catastrophic injury and wrongful death cases, using his Trial Lawyers College training to powerfully tell clients’ stories.
Years of experience – Over 15 years
Elite Trial Advocate – Graduate, Trial Lawyers College
$35M Record Verdict – Catastrophic auto accident case
Many crash victims face headaches getting uninsured and underinsured claims paid despite having uninsured and underinsured coverage. Even though they pay the premiums for their uninsured/underinsured motorist policy, many insurers reject claims, often for no valid reason. If this happens to you, Hersh Kirtman Injury Law is here to help you pursue your claim for uninsured motorist benefits.
Our knowledgeable team can also help you maximize your recovery in an uninsured motorist claim. We have significant experience pursuing these claims and will put that experience to work to zealously advocate for you. We recognize it may be confusing to read your insurance policy and understand what it covers. Let us advise you on what coverages apply to your claim and how they work, and we’ll see to it that your claim is not barred by Florida’s four-year statute of limitations. This way, you can focus on recovering from the injuries you suffered.
Getting injured in a car accident is stressful, but it can be even more stressful if the at-fault driver doesn’t have insurance. Even if you get uninsured motorist coverage, insurance companies may act in bad faith and try to offer an unfair settlement or reject your claim. At Hersh Kirtman Injury Law, we hold insurers to their obligations and demand that they meet the duties they owe to their policyholders. Our legal team has the experience necessary to help you get your claim approved.
With our years of experience handling the most complex car accident claims, you can trust us to gather the necessary evidence of fault, know how best to present it to your insurer, and take the steps needed to hold your insurer responsible if it fails to meet its obligations. To learn more about how we can help you with your uninsured motorist accident claim, call us at (561) 208-3700 or fill out our contact form to schedule a free consultation.
Personal Injury Lawyers in Boca Raton
At Hersh Kirtman Injury Law, we turn adversity into justice through trust and relentless advocacy. With decades of experience, we don’t just handle cases—we redefine outcomes. Your recovery starts with a conversation. Call us today for a free, no-obligation consultation—because you deserve a team that fights as hard as you do.
Michael and his team were nothing but helpful in my long and stressful case. Any time I had any questions or needed anything, they were always extremely quick to answer my questions. Deana was also a huge help! I am also very pleased with the outcome of my situation, it was my first time involved in any sort of injury case like this and they made it as easy as possible. Thank you guys again!
Absolutely amazing experience with this firm. Michael Hersch was a pleasure to work with. He was extremely transparent, communicated regularly with updates and worked tirelessly to ensure that I received what I deserved. I cannot say enough about how positive my experience was with this firm. Highly, highly recommend!
The Law Office of Hersh Kirtmam has handled my family with complete professionalism and great compassion during a difficult time in our lives, from the first meeting we knew that had a team that fight for us ! Thank you Hersh Kirtman .
BEST LAWYER HANDS DOWN!! If you’re ever in need of one please don’t hesitate to contact this lawfirm. I am very pleased and happy with the result of my case all thanks to the hersh kirtman injury lawfirm.
I would recommend Hersh Kirtman Injury Law without any hesitation or reservations. Mr. Hersh is the attorney who handled my case. He worked tirelessly on my behalf to bring closure and a very positive outcome. Mr. Hersh’s front office were always very supportive and helpful. If Mr. Hersh was not available when I called, they always got an answer to my question and called me back without delay. Hersh Kirtman is the Injury Law firm to call.
I cannot recommend this firm enough. Michael and his team were incredibly knowledgeable, thorough and helpful throughout the entire legal process. Although my husband and I required his services due to unfortunate circumstances, we are both grateful to have met Mr. Hersh. If you’re in need of a personal injury attorney, look no further. Hersh Kirtman Law is the best!
For over a decade, Ian has fought for victims of catastrophic injuries in auto accidents, medical malpractice, and premises liability cases—securing life-changing results like a 4.35 M store front crash verdict and 4M medical malpractice settlement.
Active leader in Florida’s legal community (Florida Justice Association, Palm Beach County Justice Association) and UM Law alum with trial honors. Devotes personal time to Becca’s Closet charity and family in Delray Beach.
Recognized Excellence:
– AV Preeminent® Rated (Martindale-Hubbell’s highest honor)
– Top 40 Under 40 (National Trial Lawyers)
– Rising Star (Super Lawyers)
This page was written, edited, and reviewed by a team of legal writers in accordance with our comprehensive editorial guidelines. It was approved by Attorneys Michael Hersh and Ian Kirtman, who have more than 20 years of experience as personal injury attorneys.
If you or a loved one has been seriously injured, please fill out the form below for your free consultation or call us at 561-208-3700
561-208-3700