What Happens If the Other Driver Has No Insurance in Florida?

Florida consistently ranks among the states with the highest rates of uninsured drivers. If you are hit by someone with no insurance, you are not without options — but you need to act quickly and strategically.

Florida's No-Fault System and PIP

Because Florida is a no-fault state, your own Personal Injury Protection (PIP) insurance pays your initial medical bills and lost wages regardless of who caused the accident. PIP covers up to $10,000 in medical expenses and 60% of lost wages. For minor injuries, this may be sufficient. For serious injuries, it will not be.

Uninsured Motorist Coverage: Your Most Important Protection

If you have Uninsured Motorist (UM) coverage on your own policy, this is your primary avenue for recovery when the at-fault driver has no insurance. UM coverage steps into the shoes of the uninsured driver and pays damages up to your policy limits. In Florida, insurers are required to offer UM coverage, though drivers can reject it in writing. If you do not currently have UM coverage, call your insurer today.

Can You Sue an Uninsured Driver Directly?

Yes — but it is often not practical. Even if you win a judgment against an uninsured driver, collecting from someone with no assets is extremely difficult. An experienced attorney can help you assess whether a direct lawsuit makes sense in your specific situation.

What to Do at the Scene

Get the driver's information even if they have no insurance. Document everything. Call police immediately — an official report is essential. And contact an attorney before making any claims with your own insurer.