According to US News, Florida car owners pay the highest insurance premiums in the nation, with an average annual car insurance rate of $3,289. An unfortunate result of these high premiums is there are a lot of uninsured drivers on Florida’s roads, with some estimates that roughly 1 in 5 drivers (20%) in Florida drive uninsured. In the event you’re involved in a car accident with an uninsured motorist, you typically can seek compensation from your own car insurance carrier under your uninsured motorist (UM) or underinsured motorist (UIM) coverages. Additionally, you can likely file suit against the uninsured driver personally; however, it is unlikely that the uninsured driver will have the funds to pay whatever judgment you get against him or her. In instances where you’re in a car crash with an uninsured driver, your best recovery oftentimes results after you’ve retained a car accident lawyer who can navigate the legal process of filing a lawsuit against your uninsured motorist (UM) coverage.
