Handling Uninsured Motorists: What to Do If Hit by One in Florida

Driving through the vast landscapes of Florida, from its bustling urban centers to serene coastal routes, one anticipates picturesque views, not collisions. However, the unpredictable nature of the road means accidents are a stark reality. Complicating this reality is when the responsible party is uninsured. If you find yourself facing the aftermath of a car accident with an uninsured motorist in the Sunshine State, understanding your next steps is paramount. Let’s journey through this challenging scenario, ensuring you’re equipped with knowledge and foresight.

Florida’s Insurance Landscape: A Brief Overview

Florida is a no-fault state, meaning that after most car accidents, injured victims first turn to their own insurance coverage regardless of who was at fault. Personal Injury Protection (PIP) is mandatory and usually covers up to $10,000 of medical and disability expenses.

However, when accidents involve severe injuries or significant property damage, navigating claims becomes complex, especially if the at-fault driver is uninsured.

A Collision with an Uninsured Motorist: Now What?

  • Safety First: Before diving into the insurance aspect, ensure the safety of all involved. Check for injuries, move out of traffic if possible, and call the authorities.
  • Document the Scene: Gather details of the accident. Take photographs of the vehicles, damages, road conditions, and any visible injuries. Obtain witness contact information, if possible.
  • Notify Your Insurance: Even if the other driver is uninsured, inform your insurance company about the accident promptly. This is crucial if you have uninsured motorist coverage, which provides protection when the at-fault party lacks insurance or is underinsured.
  • Seek Medical Attention: Sometimes, injuries manifest symptoms hours or days after the accident. It’s essential to get a medical evaluation post-collision, ensuring your health is prioritized and creating a medical record for potential claims.
  • Report the Accident: In Florida, if damages exceed $500 or there are injuries, you must file a report with the police.
  • Consult with an Attorney: Given the intricacies when dealing with uninsured motorists, seeking guidance from a seasoned personal injury attorney can provide clarity. They can advise on potential routes for compensation, whether through your own insurance, litigation, or other avenues.

Proactive Protection: Uninsured Motorist (UM) Coverage

While not mandatory in Florida, UM coverage can be a lifesaver. This add-on covers costs when:

  • The at-fault driver lacks insurance.
  • The at-fault driver’s insurance is insufficient.
  • The accident is a hit-and-run.

Considering that a significant number of Florida drivers are uninsured, investing in UM coverage is a prudent choice.


Facing an accident is daunting; doing so with an uninsured motorist amplifies the challenges. But equipped with knowledge, proactive insurance choices, and expert guidance, you can navigate this terrain with confidence. Remember, while roads come with unpredictability, your response can be grounded in information and foresight. Safe driving, Florida!