Getting into a car accident is stressful enough—but when the other driver doesn’t have insurance, things get even more complicated. Unfortunately, Florida ranks among the top states for uninsured drivers, with roughly 1 in 5 drivers lacking coverage. So, what should you do if you’re in an accident with an uninsured driver? Here’s a step-by-step guide to help protect yourself, your rights, and your financial well-being.
1. Call the Police
Always call the police after an accident, especially if the other driver is uninsured. A police report can be crucial for insurance claims and any legal action you might need to take later. Plus, having an official record can help prevent the other party from changing their story later. Don’t let anyone talk you out of this step—it’s essential.
2. Gather Evidence
While waiting for law enforcement, document everything. Take pictures of the vehicles, the scene, and any visible injuries. Don’t forget to capture road conditions, traffic signs, and weather, as these details can become important later. Get the other driver’s name, contact info, and license plate number—even if they admit they don’t have insurance. If there are witnesses, ask for their contact information too. The more evidence you have, the better.
3. Seek Medical Attention
Even if you feel okay, see a doctor as soon as possible. Florida law requires you to seek medical care within 14 days to qualify for Personal Injury Protection (PIP) benefits, which cover a portion of your medical bills and lost wages. Injuries like whiplash or concussions don’t always show immediate symptoms, so it’s better to be safe than sorry.
4. Notify Your Insurance Company
Since Florida follows a no-fault insurance system, your PIP coverage will handle your initial medical costs, regardless of the other driver’s insurance status. But here’s the catch: If you have Uninsured/Underinsured Motorist (UM/UIM) coverage, it can help pay for damages that exceed your PIP benefits. Make sure to report the accident as soon as possible—delays can complicate your claim.
5. Consult a Florida Car Accident Attorney
Uninsured driver cases can get tricky, especially when you’re dealing with medical bills, lost wages, and insurance negotiations. A knowledgeable car accident attorney like Kevin L. Sullivan II can guide you through the process and help you explore all possible options for compensation. Florida’s insurance laws can be complex, but you don’t have to navigate them alone.
If you’ve been involved in an accident with an uninsured driver, don’t wait until the bills start piling up. Call Kevin L. Sullivan II at (813) 598-4868 for a free consultation. He’s here to help you protect your rights and secure the compensation you deserve.
This post was written by a professional at Kevin L. Sullivan II. Attorney Kevin L. Sullivan II is your car crash lawyer Largo and the best personal injury attorney near you for LeavenLaw. Kevin is proud to serve Florida accident victims that have been injured in auto accidents, motorcycle accident, slip and falls or have suffered any other type of injury caused by negligence. Kevin offers a FREE no-obligation consultation to discuss your claim. There are NO upfront fees or costs and if he does not collect for you, you do not owe him anything.