What to Do After an Accident Involving an Uninsured Driver

Being involved in a car accident is stressful enough, but the situation becomes even more overwhelming when the other driver is uninsured. Unfortunately, despite Florida’s insurance requirements, many motorists still drive without proper coverage. When that happens, recovering compensation for medical treatment, lost wages, and vehicle repairs becomes more complicated — but not impossible.

At the Law Offices of Comras & Comras, P.A., our Fort Lauderdale personal injury lawyers help victims statewide navigate complex insurance claims, uninsured motorist disputes, and accident-related legal issues. Below are the key steps to protect yourself after an uninsured driver accident in Florida.

Immediate Steps After the Accident

Your actions right after a crash are critical. First, check for injuries and call 911 so first responders and law enforcement can document the accident. An official police report is essential when filing an uninsured motorist claim or pursuing additional legal action.

Be sure to gather as much evidence as possible, including:

• The other driver’s contact and vehicle information
• Photos of all vehicles and the accident scene
• Names of witnesses, if any

Next, notify your insurance company as soon as possible. Florida follows a no-fault insurance system, meaning your Personal Injury Protection (PIP) coverage pays initial medical bills regardless of fault. However, when the at-fault driver is uninsured, additional coverage becomes critical.

How Your Insurance Can Help

If the uninsured driver caused the crash, your own uninsured/underinsured motorist (UM/UIM) coverage may help pay for medical expenses, lost wages, and pain and suffering. Many Florida drivers carry this optional coverage without realizing how valuable it is after a serious accident.

Other policy types that may help include:

• PIP benefits under Florida’s no-fault law
• Collision coverage for vehicle repairs
• Medical payments (MedPay), if included in your policy

If you do not have UM/UIM coverage, your options may be more limited. Reviewing your policy in advance helps ensure you have the protection needed in situations like this.

Pursuing Legal Action Against the Uninsured Driver

You may also consider filing a lawsuit against the uninsured driver. A legal claim can seek damages for medical bills, lost income, vehicle repairs, and pain and suffering. However, many uninsured drivers lack assets, making recovery difficult even if you win a judgment.

Speaking with an experienced Fort Lauderdale car accident attorney can help you determine whether pursuing litigation is worthwhile. A lawyer can evaluate your case, preserve key evidence, and negotiate with insurance companies on your behalf — especially when insurers use delay or deny tactics.

What to Do After a Hit-and-Run Accident

Hit-and-run accidents often fall under uninsured motorist coverage since the at-fault driver cannot be identified. If you are the victim of a hit-and-run accident in Fort Lauderdale, Broward County, or anywhere in Florida, file a police report immediately and notify your insurer so your UM benefits can be activated.

Why Hiring a Lawyer Can Make a Difference

Accidents involving uninsured or underinsured drivers often require aggressive legal advocacy. A skilled Florida personal injury lawyer can help you:

• Understand your insurance benefits
• Navigate UM/UIM claims
• Negotiate with your insurer
• Pursue legal action when appropriate
• Calculate damages including medical bills, lost wages, and pain and suffering

At Comras & Comras, P.A., attorney David A. Comras — known throughout South Florida as Demand Dave — fights to protect the rights of accident victims and maximize their compensation. Whether you were involved in a car crash with an uninsured driver, a hit-and-run collision, or a serious injury caused by negligence, our team is here to help.

While an uninsured driver accident can feel like an uphill battle, taking immediate action, understanding your coverage, and working with a knowledgeable Fort Lauderdale accident lawyer can help you protect your financial future and move forward with confidence. To learn more or schedule a free consultation, visit us at www.DemandDave.com.

Demand justice. Demand accountability. Demand Dave.