Do NOT Drive In Florida Without Uninsured Motorist Coverage – Accident Lawyers Explain Why

Do NOT Drive in Florida Without Uninsured Motorist Coverage — Accident Lawyers Explain Why

Florida has one of the highest rates of uninsured and underinsured drivers. If you’re hit by someone with little or no insurance, Uninsured/Underinsured Motorist (UM/UIM) coverage can pay for your medical bills, lost wages, pain and suffering, and future care—even when the at-fault driver can’t. In this video, our Florida car accident lawyers explain why UM coverage is crucial in a no-fault state and what to do after a crash.

Key takeaways

• UM/UIM fills the gap when the other driver has no BI coverage or not enough to cover your losses.
• Works in addition to PIP, which is usually not enough for serious injuries.
• You can often stack UM coverage across multiple vehicles for higher protection (policy-dependent).
• UM can cover you as a driver, passenger, or pedestrian, and may follow you in rideshares or rentals.
• After a crash, don’t sign or give recorded statements to insurers before speaking with a lawyer.

What to do after a crash in Florida

1. Call 911 and get medical care within 14 days to preserve PIP benefits.
2. Photograph vehicles, scene, injuries; gather witness info.
3. Get the other driver’s insurance—but assume they may be uninsured/underinsured.
4. Call an accident lawyer to review your UM options and deadlines.

Bottom line: UM/UIM is often the only path to full compensation when the at-fault driver can’t pay. Check your policy today and consider increasing limits.

FAQ

Is UM coverage required in Florida?
No—skipping it is risky given the number of uninsured drivers.

UM vs. UIM?
UM applies when the at-fault driver has no liability coverage. UIM applies when they have some coverage, but not enough to cover your damages.

Will a UM claim raise my rates?
It depends on the insurer/claim history, but you’re not at fault—UM exists for exactly this situation.

Call to action

Injured by an uninsured or underinsured driver? Contact our Florida car accident lawyers for a free case review. We’ll explain your UM options and protect your rights from day one.

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Educational info, not legal advice. Policy terms vary—review your declarations page or speak with an attorney.