What Happens If I Am Hit By An Uninsured Driver In Florida?

A recent news report in the Orlando Sentinel revealed that over 20% of all Florida drivers do not carry insurance. This statistic makes Florida the sixth worst state in insurance coverages. This is a major problem for the residents of Florida. When a driver does not have insurance and causes an accident, it can create a significant hardship for the victim. If you are hit by a driver that does not carry insurance, it will complicate your case. However, you do have options to help protect your rights and receive compensation to pay for your damages.

What Florida Law Says

Florida insurance laws are clear. Every driver is required to carry minimum insurance, or they are in violation of the law. The minimum includes $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PD/PDL). If you do not carry these minimum coverages, then you are in violation of the law and may face criminal penalties. If you are hit by someone without insurance, they are violating the law. This lawbreaking may help you show fault when you file a claim.

Understanding Your Insurance Policy

The sad reality is, if a driver does not carry insurance, it is likely they do not have the funds to pay for the damages. So your first option is to get coverage from your own insurance policy. First, you will pursue a PIP claim for your medical bills. PIP is a no fault insurance and is designed to pay for medical bills regardless of who was injured. Secondly, most standard auto insurance policies have a type of coverage called “uninsured motorist” (UM). As the name suggests, uninsured motorist coverage is designed to help you pay for the damages if you are hit by an uninsured driver. You will file a claim with your insurance company to pay for the damages.

Filing A Lawsuit Against The Other Driver

If your insurance company denies the claim or your PIP and UM are not adequate to cover all your damages, your next step is to file a lawsuit. Filing a lawsuit against the other person is pretty straightforward. You will present your case to a civil court to receive the money you are owed. In this case, you will want an attorney representing you to ensure that you follow the correct legal procedure. Again, this is not always a great solution to the issue because the other driver most likely does not have much money. However, you may be able to receive some compensation through a lump sum or monthly payment plan.

Working With An Attorney

Unfortunately, after getting hit by an uninsured driver, getting compensation for your injuries can be a real challenge. However, you do not have to fight for your rights alone. A knowledgeable car accident attorney, like the team at Justice Pays. We’ve worked with hundreds of auto accident victims and will fully review all the details of your case. There may be more to the story, including other parties that could be held liable like an auto manufacturer. We’ll also help you explore all the avenues you have to get compensation to pay for your injuries and other damages.

With the numbers of uninsured drivers so high in the state of Florida, we highly recommend you increase your UM insurance coverage. This will help better protect you in the case of an accident. However, if you have already been hit, give us a call at 1-833-954-1234. We’ll do a free case review and let you know if you have other options to get the money you need.

Video FAQ:

When Do You Need An Attorney? What Will They Do For You?


Client Testimonials

Attorney David Goldman has been exceptional in the process of helping me through the case. He has always been easy to reach, whether by phone or email, and has thorough knowledge and explains clearly in depth so you feel safe and confident in your lawyer

I used Michael Babboni and his paralegal, Nicole Moore for a legal matter. They went above and beyond my expectations. During the entire process there was constant communication with both Michael and Nicole. They were extremely organized and on top of my case, which I am very grateful for. Michael truly had my best interests at heart and he was very genuine. I plan on referring Michael to all family and friends and will continue to use him in the future.

I dealt most with Mr. Fernandez. I didn’t know a lot about this process. He took the time to speak with me individually, in person, to explain everything. It was very helpful to actually know and understand the process and what to expect. He closed my case quickly, which was nice that it was not prolonged! I appreciated his hard work and getting me what I felt I deserved after my car accident. I highly recommend him to anyone who needs an honest and reliable lawyer to assist you with your case!

I hired Mr. Walsh after an automobile accident this past March. He and his entire staff were extremely professional. They kept me informed every step of the way and settled my case in a timely manner. Thank you so much for your help.


Law Offices Near You

Sarasota Office



3550 S Tamiami Trail, 3rd Floor Sarasota Florida 34239

Bradenton Office



5291 Office Park Blvd. Bradenton Florida 34203

St. Petersburg Office

St. Petersburg


6446 Central Avenue St. Petersburg Florida 33707

Venice Office



3986 S. Tamiami Trail Venice Florida 34293

Englewood Office



2960 S. McCall Rd Englewood Florida 34224

Port Charlotte Office

Port Charlotte


3986 Tamiami Trail Port Charlotte Florida 33952

Arcadia Office



10 South DeSoto Avenue Arcadia Florida 34266

Fort Myers Office

Fort Myers


8359 Beacon Blvd Fort Myers Florida 33907

Lakeland Office



5137 S. Lakeland Dr. Lakeland Florida 33813

Get personal attention from a lawyer with decades of experience.