How to Handle an Accident with an Uninsured Driver

Getting into a car accident is stressful enough, but when the other driver is uninsured, it can feel even more overwhelming. While Florida law requires all drivers to carry personal injury protection (PIP) insurance, many drivers still choose to drive without coverage. In this blog post, we'll walk you through the steps you need to take if you're involved in an accident with an uninsured driver, and how a personal injury attorney can help you navigate the process.

1. Call the Police and Gather Information

Regardless of the other driver's insurance status, you should always call the police to report the accident. The police will create an official accident report, which can be crucial evidence for your personal injury claim. Additionally, gather as much information as possible about the other driver, including their name, contact information, and driver's license number. Take photos of the accident scene, including damage to both vehicles, and get contact information from any witnesses.

2. Seek Medical Attention

Even if you don't feel injured immediately after the accident, it's essential to seek medical attention as soon as possible. Some injuries, like whiplash or concussions, may not be apparent right away. A thorough medical evaluation will not only ensure your health and safety but also provide documentation of any injuries related to the accident, which can be crucial for your personal injury claim.

3. Notify Your Insurance Company

After an accident with an uninsured driver, you'll need to file a claim with your own insurance company. Florida is a no-fault state, meaning your PIP coverage will pay for your medical expenses and lost wages up to your policy limits, regardless of who was at fault for the accident. However, PIP coverage may not be enough to cover all your expenses, especially if you've suffered severe injuries. In this case, you may need to file a claim under your uninsured motorist (UM) coverage, if you have it. UM coverage can help cover expenses that exceed your PIP limits, such as medical bills, lost wages, and pain and suffering.

4. Consult with a Personal Injury Attorney

Dealing with insurance companies and navigating the legal process after an accident with an uninsured driver can be complicated and overwhelming. A skilled personal injury attorney, like Amanda Demanda Law Group, can help you understand your rights and options, negotiate with insurance companies on your behalf, and ensure you receive the compensation you deserve.

5. Keep Detailed Records

Throughout the process, it's essential to keep detailed records of everything related to your accident and injuries. This includes medical bills, receipts for any out-of-pocket expenses, documentation of missed work and lost wages, and any correspondence with insurance companies. These records can be crucial evidence in your personal injury claim and help your attorney build a strong case on your behalf.


While an accident with an uninsured driver can be a stressful and challenging experience, following these steps and working with an experienced personal injury attorney can help ensure you receive the compensation you need to recover from your injuries. If you've been involved in an accident with an uninsured driver in Miami, FL, don't hesitate to contact Amanda Demanda Law Group for a free consultation and personalized guidance through the process.