Dealing with Uninsured or Underinsured Motorists in Florida

February 14, 2025
Difilippo & Pica

Florida is known for its high number of uninsured and underinsured drivers, creating significant risks for those involved in car accidents. Even if you are a cautious and responsible driver, being hit by someone without adequate insurance can leave you facing unexpected medical bills, vehicle repairs, and other financial burdens. Fortunately, uninsured and underinsured motorist (UM/UIM) coverage can help protect you in these situations. In this post, we’ll explore the challenges of dealing with uninsured or underinsured motorists in Florida and explain how having the right coverage—and legal support—can make all the difference.

Auto Insurance Requirements in Florida

Florida is a no-fault insurance state, which means that you will generally rely on your own insurance coverage after an accident—even when someone else is at fault. This system means that the mandatory types of coverage are different in the Sunshine State compared to other parts of the country.

Under the law, you must have a minimum amount of both personal injury protection (PIP) and property damage liability (PDL) coverage. Together, you need at least $10,000 in coverage for both types of insurance. You also have the option to purchase more if you choose.

PIP policies cover your necessary and reasonable medical costs following an accident. You are required to file a claim with your own insurance company to secure these benefits. Additionally, PDL coverage protects you from claims made by other drivers when you are at fault for a collision. This is necessary as there are situations where you can step out of the no-fault insurance system.

How Uninsured / Underinsured Motorist Coverage Works

Uninsured motorist (UM) and underinsured motorist (UIM) insurance coverage protect drivers when the at-fault party lacks adequate coverage. In Florida, where many drivers carry little or no bodily injury coverage, UM/UIM coverage can be essential. UM coverage helps pay for medical expenses, lost wages, and other damages when the at-fault driver has no insurance. UIM coverage applies when the at-fault driver’s policy limits are too low to cover the full extent of your losses, providing additional compensation.

This coverage can also extend to non-economic damages, such as pain and suffering. Although UM/UIM coverage is optional in Florida, it offers critical financial protection in accidents involving underinsured or uninsured drivers, helping avoid significant out-of-pocket expenses after a crash.

Steps to Take After an Accident with an Uninsured Motorist

You can take steps

  • Call the Police: Always report the accident and obtain an official police report, which will be crucial for your insurance claim.
  • Gather Evidence: Take photos of the scene, vehicle damage, and any visible injuries. Get contact information from witnesses.
  • Seek Medical Attention: Even if you feel fine, see a doctor to document any potential injuries.
  • Notify Your Insurance Company: Inform your insurer about the accident and indicate that the other driver was uninsured.
  • Consult an Attorney: A lawyer can help you file a claim under your uninsured motorist coverage and ensure you receive fair compensation.

Talk to an Attorney About Your Accident Today

You have options for seeking compensation, even if your accident was the fault of an uninsured or underinsured driver. Contact DiFilippo & Pica, PLLC, right away to learn more during a free consultation.

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