Uninsured Motorist
Accident Injury
Being hit by an uninsured driver is stressful — but Florida's no-fault PIP system means your own insurance covers your medical expenses regardless of the other driver's coverage. PIP Pain Injury connects you with PIP-accepting doctors and specialists throughout Florida. Our referral service is free.
Florida PIP Law — Act Within 14 Days: You must seek a medical evaluation within 14 days of your accident to preserve your PIP insurance benefits — even if the other driver was uninsured. Call 407-486-6147 now.
You Are Still Protected
Florida PIP Insurance
Covers 80% of medical expenses up to $10,000 regardless of fault or the other driver's insurance status. Must seek care within 14 days.
Uninsured Motorist (UM) Coverage
If you carry UM coverage, it can compensate you for injuries caused by an uninsured or underinsured driver beyond your PIP limits.
MedPay Coverage
Medical payments coverage, if you carry it, can supplement PIP to cover additional medical expenses after an uninsured motorist accident.
Uninsured Motorist Questions
What happens if I am hit by an uninsured driver in Florida?
Your own Florida PIP insurance covers 80% of your medical expenses up to $10,000 regardless of the other driver's insurance status. If you carry uninsured motorist (UM) coverage, it can provide additional compensation for your injuries.
Is uninsured motorist coverage required in Florida?
No. Florida does not require uninsured motorist coverage, but it is strongly recommended. Without it, your recovery from an uninsured driver may be limited to your PIP benefits.
What should I do immediately after being hit by an uninsured driver?
Call 911, document the scene, get the other driver's information even if they have no insurance, seek medical care within 14 days, and notify your own insurance company. Call PIP Pain Injury to get connected with a PIP-accepting doctor.
How does Florida PIP work if the other driver has no insurance?
Florida's no-fault PIP system means your own insurance pays your medical expenses regardless of who caused the accident or whether the other driver is insured. You must seek care within 14 days to preserve your benefits.
Is the PIP Pain Injury referral service free?
Yes. Our medical referral coordination service is completely free to accident victims.
Hit by an Uninsured Driver?
Your PIP insurance still covers you. Call our free 24/7 hotline and get connected to a doctor today.