Uninsured Motorists

While most Floridians carry automobile insurance that covers their cars, trucks, SUVs and motorcycles, some do not.

Still, others carry only minimal insurance that does not include liability insurance (for many years, Florida only required most drivers to carry $10,000 in personal injury protection (PIP) insurance and $10,000 in property damage liability insurance) or includes only a small amount of coverage.

Although it is a crime in Florida to leave a crash scene, it nevertheless happens.

In fact, Florida has the dubious distinction of being one of the worst states in the nation for the hit-and-run crashes. In cases where the hit and run crash cannot be solved, the driver’s insurance information is unknown. As a consequence, hit-and-run victims face a situation similar to that of a driver injured by an uninsured driver.

Unfortunately, according to 2021 information from the Insurance Research Council, one in five (20.4%) Florida drivers is uninsured. This makes Florida one of the worst states for uninsured drivers.

This means that as compared to many places, you are much more likely to be injured in an accident with an at-fault driver who lacks liability insurance in Florida. Under these circumstances, concerns and questions are inevitable. Our experienced Lakewood Ranch car accident attorneys offer free consultations to help assist you get answers to your questions and are prepared to help you.

In the event of an accident with an uninsured or underinsured driver or a hit and run driver, locating Uninsured Motorist Coverage becomes important.

This coverage applies when you sustain injuries and suffer damages inflicted by a driver who was driving with little or no insurance. In Florida, uninsured motorist coverage is optional (our strong recommendation given how many Florida drivers are uninsured is that everyone carry it).

Another avenue of potential recovery is to determine if there might be another defendant, beyond the uninsured driver. Alternative defendants could include, for example, the uninsured driver’s employer if at the time the driver was on the job or a bar that served the uninsured and underage driver.  

If you’ve been injured by an uninsured driver, let our uninsured motorist car accident lawyers put our knowledge and experience dealing with these situations to work for you. Consultations are always free, and you only owe attorney’s fees and costs if we win.