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As of 2025, Florida is the 6th in the top of uninsured motorist states in the U.S., with an estimated rate of 20.4%.
If you've suffered personal injury from an uninsured or underinsured motorist in Miami, contact us, you may still have a form of recovery for your injuries.
According to the FLHSMV at the beginning of 2025 the rate of uninsured motorists in Florida is 5.93%. If any of these drivers were to collide with your vehicle, not only would your life be endangered and your body potentially injured, you would likely have to foot the bill. According to the Florida Department of Highway Safety and Motor Vehicles, in 2024 there were 380,308 traffic accidents in Florida, and 2,887 of these crashes were fatal.
While Florida law requires residents to have auto insurance, Florida is the only state that doesn't mandate drivers to carry bodily injury liability coverage. Rather, in Florida the only insurance that is mandatory meets the following minimum requirements:
PIP covers 80% of your medical bills and 60% of your lost wages after an accident, regardless of fault, up to $10K. That’s it. Insurance to cover your medical bills, and property damage insurance to repair a car. The PIP statutory minimum insurance does not provide full coverage. Think about the situations when your injuries require you to be hospitalized or have surgery, chances are that 10K is not even going to cover a few hours in the hospital. That means that even drivers who comply with the law are operating vehicles without adequate auto insurance.
Florida is a no-fault insurance state; therefore, your own auto insurance company is the primary party when it comes to paying your medical costs.
The obligation to cover expenses only extends to the maximum amount of PIP coverage under your policy. Given today’s high medical expenses, that’s often too little to cover the medical bills and other costs.
Ordinarily, the at-fault driver would have to cover your medical costs once your PIP has been exhausted. But, very often, the other motorist in a car accident:
In fact, you may have supplementary protection under your own auto insurance policy in the form of uninsured/underinsured motorist coverage. Many policies include it anyway, although Florida law doesn’t require insurers to offer this additional coverage. In that case, this coverage will kick in to protect you after your PIP runs out.
If the driver who hit you has personal assets, we can also bring a lawsuit against him/ her personally to recover money, but if a person doesn’t have insurance, they usually don’t have financial assets either.
Uninsured/underinsured motorist coverage also comes into play in pedestrian, bicycling, and other accidents.
This is such an essential issue in the state of Florida that insurance providers are required by law to offer uninsured/underinsured motorist (UM) policies. We recommend you take them up on that offer with as much additional coverage as you can afford.
UM also covers lost wages during recovery and pain and suffering. Therefore, if you have been involved in a car crash and you carry UM coverage, you might recover more consistent damages. Besides that, Florida does not require drivers to carry insurance that covers injuries to passengers.
Through underinsured motorist insurance, those damages will be covered. UM coverage can also make a huge difference in case you are involved in a crash with a rental car. Florida law does not require rental companies to carry insurance that covers the damages done by individuals who rent their vehicles.
Insurers will offer you UM coverage if you also purchase bodily injury liability coverage. UM coverage is usually available at a very reasonable price. If you aren’t sure whether you currently have UM coverage, you should call your provider. But sadly, if the crash has already occurred, you won’t be able to apply it retroactively.
What if there are still significant damages for which you haven’t been compensated after you’ve exhausted your PIP and you don’t have uninsured/underinsured motorist coverage?
You're not necessarily out of luck. You may carry other kinds of insurance that might share in the duty to pay. Sometimes, when you think that you would never receive a recovery, you may find that a family household member has uninsured motorist coverage that covers you explicitly as an insured. Our firm has uncovered such coverage many times in the past. An experienced attorney may still be able to seek compensation from third parties whose negligence contributed to your suffering.
We provide our clients with complete legal services from evidence gathering to identifying available insurance sources and negotiating with insurance companies.
While these companies are profit-oriented, our interest is to represent you, as we only get paid if you recover damages.
Even though Florida does not require motorists to have insurance that covers injury to another person, regulations have been put in place to cover these expenses. Complicated state laws and insurance policies are reasons to have an experienced Florida car accident attorney guide you through the process.
