What to Do After an Accident With an Uninsured Driver

Getting into a car accident is stressful enough, but it becomes even more overwhelming when the other driver has no insurance or leaves the scene. In Miami and across South Florida, this happens more often than people realize. The good news: you still have options.

At Finlay Law Firm, our team helps injured people navigate the claims process and pursue the compensation they need. Led by former insurance defense attorney Javier Finlay, we understand how insurers evaluate claims—and how to push back when they undervalue them.

Step 1: Take Immediate Action After the Crash

If you were hit by an uninsured driver or involved in a hit-and-run, take these steps right away:

- Get medical care immediately. Florida’s PIP rules can affect both your health and your benefits.
- Call law enforcement and request an accident report.
- Document the scene with photos, videos, and witness information.
- Avoid discussing fault—stick to the facts.
- Notify your insurer promptly and save your claim numbers.
- If it was an Uber or Lyft crash, note the status of your ride, as this can impact coverage.

Step 2: Understanding Florida PIP Coverage

Florida’s no-fault system means your PIP coverage may apply regardless of who caused the crash. PIP commonly covers:

- 80% of medical bills
- 60% of lost wages
- Up to $10,000 in benefits (depending on policy limits)

If you run into delays, denials, or low settlement offers, an attorney can help you challenge the insurer’s decision.

Step 3: Why UM Coverage Matters

When the at-fault driver has no insurance—or not enough—your uninsured/underinsured motorist (UM/UIM) coverage may help pay for remaining medical bills, wage loss, and pain and suffering when applicable.

If your insurer refuses to pay fairly, an attorney can review the policy, negotiate with the carrier, and pursue a bad-faith claim when necessary.

Step 4: Be Aware of Florida’s Lawsuit Deadlines

For negligence-based injuries occurring on or after March 24, 2023, Florida’s statute of limitations is generally two years. Because deadlines can vary, it’s important to speak with an attorney as soon as possible.

Hit-and-Run Accidents

If the other driver fled the scene, you’ll often rely on your UM coverage (when available), medpay, or collision coverage. Preserve evidence, file a police report quickly, and check whether nearby homes or businesses captured the incident on camera.

Types of Cases Finlay Law Firm Handles Across Miami-Dade

We help clients after a wide range of accidents and injuries, including:

- Car, truck, motorcycle, bicycle, and pedestrian accidents
- Slip and fall and other premises liability cases
- Negligent security claims
- Catastrophic injuries, brain injuries, and spinal cord injuries
- Wrongful death cases
- Cruise ship, hotel, airport, and tourist-related accidents
- Product liability and defective product injuries
- Workers’ compensation and uninsured motorist claims

We proudly serve Coral Gables, Brickell, Coconut Grove, Miami Beach, Hialeah, Doral, Kendall, and communities throughout Miami-Dade County.

Costs and Fees

Most personal injury cases are handled on a contingency fee basis—meaning you don’t pay attorney’s fees unless there is a recovery. Our team will explain expected costs and fee structures during your free consultation.

Frequently Asked Questions

How do I file a personal injury claim in Florida?
Start with medical care, a police report when applicable, documentation, and timely notice to insurers. Speak with an attorney before providing recorded statements.

How are medical bills handled after a Miami car accident?
PIP may cover part of your costs, followed by UM coverage, health insurance, or a claim against the at-fault party depending on your situation.

Can I recover lost wages after a car accident?
Yes. PIP typically covers a percentage of lost wages, and additional losses may be pursued through other coverages or claims.

Is there a “pain and suffering calculator” in Florida?
Not officially. Compensation is evaluated based on injury severity, treatment duration, long-term effects, and how the injuries impact daily life.

If you’ve been hurt in an accident involving an uninsured driver, our team is here to help you understand your options and pursue the compensation you deserve. Visit www.finlaylawfirm.com or call (305) 733-3180 for a free case evaluation.