Call 911 immediately and request emergency assistance. To file an insurance claim or a lawsuit against a third party against the at-fault driver, car accident injuries must meet the threshold for serious injuries. If you live in a no-fault car insurance state, your own insurance coverage will cover your medical bills and some other losses covered after a car accident, so the fact that the other driver isn't insured might not matter as much. In the often chaotic hours and days after a car accident, it can be a little comforting to know that your own or the other driver's car insurance coverage will likely take effect and help pay for medical bills and vehicle damage.
You can file a claim against your car collision coverage when your car is hit by an uninsured driver or in other situations that involve a collision, such as a single car accident. If you have an accident with a driver who doesn't have car insurance but drives an insured vehicle, the insurance policy that covers the vehicle will extend to your accident (and to the resulting injuries and other losses). Uninsured motorist coverage is insurance protection that protects you in the event of an accident involving an at-fault driver who does not have liability or bodily injury insurance. After a car accident, the best thing to do is report the accident to your car insurance company and find out how your coverage applies.
Florida is a “no-fault” auto insurance state, meaning that your insurance pays for economic losses, such as medical bills, in the event of an accident. If you have comprehensive car insurance coverage, but not collision coverage, it's worth considering the UMPD to at least be covered for vehicle damage caused by uninsured drivers. Although Florida law doesn't require it, the insurance company will offer you insurance coverage for uninsured or underinsured drivers, in addition to mandatory insurance. Like coverage for uninsured drivers, coverage for underinsured drivers will cover damages suffered in an accident involving a driver who has a current auto insurance policy, but who does not have sufficient coverage to pay for injuries caused by the accident.
Collision coverage can also be added to your car insurance policy (at an additional cost) and will cover vehicle repair if you have an accident, if you were at fault, if the other driver (the culprit) doesn't have insurance, or if you were hit by a driver who fled. Therefore, for practical purposes, the at-fault driver in this scenario (an uninsured driver driving an insured car) is an insured driver. If you're involved in an accident with a driver who doesn't have any car insurance, you'll likely have to turn to your own insurance company to cover your losses.