How much time do you have to bring an Uninsured Motorists Claim?
Florida recognizes Uninsured Motorists Claims as contracts between insurance companies and consumers. As such, consumers have five years to file lawsuits to preserve their claims. This is distinct from "third party" suits brought against at fault drivers, which must be brought within four years of an accident.
This distinction is important, not simply because you have more time to file a lawsuit, but because it puts responsibility on your insurance company to fairly handle your claim. If your uninsured motorists carrier fails to handle your claim, your lawyer can file a civil remedies notice with The Insurance Commissioner, giving your insurance company 60 days to correct its behavior. If they fail to do so, you maybe entitled to sue for more than your injuries for your insurance companies bad faith.
Although you may not always require a lawyer for your claim, it is usually a pretty good idea to invest in one, knowing that you will pay a fee only a percentage of your recovery. Insurance companies are smart and there would be no insurance commissioner, civil remedies notice or lawyers if insurance companies could be trusted to always treat their customers right