What To Do If The Other Driver Does Not Have Car Insurance

The stress of a car accident is exacerbated when the other driver doesn’t have the insurance they are legally required to have. Despite Florida’s laws requiring motor insurance, nearly 27% of Florida drivers drive uninsured.

This situation increases the liability of everyone on Florida’s roads and can leave you with few options, especially if your injuries are severe. If you’re in an accident with a driver that doesn’t have insurance, you should wait for the authorities to arrive and take a report of the accident.

One thing you’ll want to pay attention to is if the driver was operating their vehicle under the orders of an employer, as this may help you find alternative sources of financial recovery. Enlisting the help of a skilled Tampa car accident attorney is one of the best ways to make sure you explore every angle when looking for compensation for your accident.

Paying for Your Expenses After a Tampa Car Accident With an Uninsured Driver


Due to their no-fault system, Florida law requires all drivers to carry Personal Injury Protection (PIP) insurance. This insurance will cover up to $10,000 per person in an accident, depending on the severity of the injuries and illness associated with the crash.

Compensation concept. Folder Register on Background of Computer Keyboard

If your medical provider determines that you’re not severely injured, only $2,500 is accessible to cover medical expenses. Lost wages for time away from work due to a car accident are also covered under this insurance.

This insurance will kick in even if the other driver is totally uninsured.   Unfortunately, this insurance’s cap means that if you’re seriously injured and have medical expenses over $10,000, you may struggle to find financial compensation that suits your needs. In these cases, you need a backup plan.

Supplemental Insurance

If you have Medpay, it may cover portions of your medical fees that are not covered by PIP, but usually not a huge amount, especially if your injuries are particularly bad.

Many insurance companies offer Uninsured/Underinsured Motorist (UM) coverage to add on to your normal plan. This is usually a safe option in Florida due to the extremely high rate of uninsured drivers on the road. You should contact your insurance company as soon as possible if you believe the other driver in an accident is uninsured.

Though your PIP will cover minor injuries and therapies, serious injuries will often need treatment that goes beyond the threshold your personal insurance is responsible for.

Seeking Damages from the Uninsured Driver

Usually, if a driver is uninsured, they may have a strained financial situation. This makes it difficult to seek restitution from them in court due to their lack of assets. Even if they are personally wealthy, they may not have enough liquid income to compensate you for all of your damages, even under a court order.



Unfortunately, suing someone without insurance usually isn’t a good option if you’re in a Florida accident, but the optimal strategies available will depend on the specifics of your situation.


Seeking Damages from Another At-Fault Party

In some cases, it may be possible to identify another party that can be assigned responsibility in an accident.

For instance, in Tampa truck accidents, the employer of the driver can be held liable for certain damages. Other cases may include taxis or other private vehicles.  

In any of these situations, bringing in a third-party company or organization is likely to add complexity to your case and is a good indication that legal assistance from a skilled Tampa car accident attorney may help.

Help from a Trusted Tampa Accident Attorney

Steinger, Greene & Feiner have been helping victims of car accidents win cases like yours since 1997. When we began, we were only a car accident lawyer in Tampa and now we serve so many more clients all over Florida and Tennessee. We understand the frustrations and fears that come with a bad car accident. Rather than continue down this road alone, we want to offer a helping hand when dealing with the repercussions of a Florida accident with an uninsured driver. Find out how much your case is worth.

Have questions? Call our accident attorneys at (800) 560-5059 anytime,
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About The Author

Michael Steinger

Michael Steinger

The Florida BarFlorida Bar Young Lawyers DivisionMillion Dollar Advocates ForumMillion Dollar Advocates ForumBest Workers Compensation Attorneys in MiamiBest Car Accident Lawyers in MiamiLawyers of distinction

MICHAEL S. STEINGER, founding partner of Steinger, Greene & Feiner, believes in representing real people, not big businesses. Since the firm’s creation in 1997, Steinger, Greene & Feiner has never represented an insurance company or large corporation, and he vows to keep this promise. Over the course of his career, Michael has handled thousands of Florida accident cases, recovering millions of dollars for his clients and earning him membership into the Multi-Million Dollar Advocates Forum. Staying up-to-date on the ever-evolving laws protecting injury victims and their families, Michael is an active member of the American Bar Association, the Palm Beach, and St. Lucie Bar Associations, and sits on the Auto Insurance Committee of the Florida Justice Association.