What to Do After a Crash with an Uninsured Driver in Florida

Being involved in a car accident in Florida is stressful enough — but when the at‑fault driver has no insurance, the situation becomes even more complicated. Unfortunately, uninsured and underinsured drivers are more common than many people realize. When you’re left dealing with injuries, vehicle damage, and rising expenses, it’s important to understand your options.

Whether your crash happened in Brevard County, Cocoa, Viera, Orlando, or anywhere in Central Florida, you still have paths to pursue compensation. Here’s what you need to know to protect yourself after an accident with an uninsured driver.

Immediate Steps to Take After the Accident

Your actions right after the crash can significantly impact your ability to recover compensation. First, prioritize safety. Check for injuries, and call 911 immediately if anyone is hurt. Even in a minor accident, always contact law enforcement. A police report is essential evidence when filing an auto accident claim in Florida.

While waiting for officers to arrive, gather as much information as possible. Exchange contact details with the other driver — even if they admit they don’t have insurance. Write down their name, phone number, and address, and document the vehicle’s make, model, and license plate number.

Take photos of the vehicles, visible injuries, debris, skid marks, and the surrounding scene. These images are extremely helpful when filing a claim and proving what happened.

Finally, notify your insurance company as soon as possible. Florida uses a no‑fault insurance system, which means your own insurer may cover certain immediate costs — but determining liability still matters for compensation beyond PIP benefits.

How Your Insurance Coverage Can Help

If the other driver is uninsured or underinsured, you may still have options through your own policy. Many Floridians carry Uninsured/Underinsured Motorist Coverage (UM/UIM), which is specifically designed to protect you in this situation.

Your UM/UIM coverage may help pay for:

• Medical expenses
• Lost wages
• Pain and suffering
• Vehicle repairs (depending on your policy)

Your policy may also include other coverage types that apply regardless of who caused the accident. Collision coverage can help repair your vehicle, and Personal Injury Protection (PIP) covers medical bills and certain related expenses, even if you were not at fault.

If your policy lacks these optional coverages, your financial recovery may be more limited — but additional legal options may still be available.

Considering Legal Action After a Crash with an Uninsured Driver

If insurance benefits don’t fully cover your injuries and expenses, you may have the option to pursue a lawsuit against the at‑fault driver. A legal claim can seek damages for medical care, vehicle repairs, lost income, and pain and suffering.

However, it’s important to consider whether the uninsured driver has any assets or income that can realistically be recovered. Many uninsured drivers have limited resources, making collection difficult.

A seasoned car accident attorney in Brevard County can evaluate your case, explain your legal options, and help you determine the most effective path toward compensation.

What to Do If the Crash Was a Hit‑and‑Run

If the at‑fault driver fled the scene, the process works similarly. Because the driver cannot be identified, you cannot pursue their insurance — even if they had coverage.

In a hit‑and‑run accident, your uninsured motorist coverage often steps in.

Be sure to:

• Call the police immediately
• Document everything you remember about the fleeing vehicle
• Notify your insurer as soon as possible

The more information you provide, the stronger your claim will be.

Why Working with a Florida Car Accident Attorney Helps

Collisions involving uninsured drivers often lead to unique challenges — especially when dealing with insurance adjusters or evaluating whether legal action is worthwhile. A knowledgeable Florida personal injury attorney can guide you through the process, gather evidence, negotiate with your insurer, and ensure you pursue every available avenue for compensation.

An attorney can also help you avoid costly mistakes, meet crucial deadlines, and protect your rights throughout the claims process.

Most importantly, acting quickly strengthens your case. Thorough documentation, a clear understanding of your insurance coverage, and reliable legal guidance can significantly reduce the stress and financial impact of an uninsured‑driver accident.

If you’ve been hurt in a crash with an uninsured or hit‑and‑run driver, The Davies Law Firm is here to help you navigate the next steps and fight for the compensation you deserve.