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Car Collisions with Uninsured or Underinsured Motorists in Florida


If you have been involved in a car accident, you are likely aware that working with the other driver’s insurance company to obtain compensation for your damages can be a frustrating process, even when your own insurance company is pursuing the claim.

While this can be a hassle, it pales in comparison to the headache of colliding with an uninsured or underinsured driver – and motorists who have failed to obtain the proper coverage required by law are prevalent in the state of Florida.

Our experienced car accident attorneys can help you seek to recover the damages you need, even when the other driver did not have the appropriate amount of insurance coverage, and even when your own insurer is not looking out for your best interest.

Uninsured and Underinsured Car Accident Facts

Nearly 13 percent of all drivers are uninsured, and about the same percentage of these uninsured motorists are responsible for causing car accidents, according to the Insurance Research Council. Unemployment and inability to pay for insurance are the top reasons cited for failing to obtain proper coverage, followed by the vehicle being in poor condition.

Florida Ranks Poorly in Terms of Number of Uninsured Drivers

While the nationwide number of uninsured drivers has decreased in recent years, Florida’s incidence of drivers who lack adequate insurance coverage remains a cause for concern.

According to data from the Insurance Information Institute, Florida ranks second highest in terms of number of uninsured drivers in the state – 23.8 percent –  second only to Oklahoma at 25.9 percent. By contrast, the best ranked state, Massachusetts, boasts only 4 percent of drivers on the road without required insurance.

How can a Car Accident Attorney Help?

Your car insurance company’s main concern is their own bottom line, not whether your rights are protected. Our experienced Clermont car accident attorneys, on the other hand, will make looking out for your best interests our number one priority. Some of the ways a skilled car accident attorney can help include:

  • Investigating whether the motorist was, in fact, uninsured;
  • Finding out whether an insurance policy was active and applies to your claim, even if the insurer says it does not;
  • Rejecting an inadequate settlement amount;
  • Negotiating with an unresponsive insurer;
  • Obtaining a copy of the official crash report;
  • Determining whether the insurance company is acting in bad faith;
  • Interpreting how and to what degree Florida’s no-fault insurance laws allow you to collect from your own insurer;
  • Making sure you do not say, sign or do anything to jeopardize your claim;
  • Interpreting the uninsured and underinsured policies from your own insurance company.

Consult an Experienced Car Accident Lawyer in Clermont

Our experienced Florida car accident attorneys at the Scoma Law Firm can be by your side throughout the entire process of pursuing the compensation you need, from the moment you learn about the other driver’s insurance status. Your car accident attorney in Clermont can even negotiate with your own insurer on your behalf.


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