Understanding the Problem

First and foremost, it's important to grasp the severity of the problem. Florida, like many states, requires drivers to carry a minimum amount of insurance coverage. However, these limits may not be enough to cover the full extent of damage in the event of a serious accident. 

Florida's "No-Fault" insurance system requires every driver to carry Personal Injury Protection (PIP) insurance, which covers medical expenses and lost wages, regardless of who's at fault. However, these PIP policies often have limited coverage, and not all drivers adhere to the law. When you're involved in an accident with someone who has very low insurance coverage limits, it can leave you in a vulnerable position.

Stay Calm and Assess the Situation

The first step is to remain calm and ensure everyone involved is safe. If anyone requires immediate medical attention, call for emergency assistance. Addressing imminent safety concerns and serious injury is the first priority, but once that’s done, documenting the accident is paramount. Immediately after the accident, it's crucial to collect as much information as possible. 

Take pictures of the vehicles, any visible injuries, and the surrounding area. This documentation will be crucial in supporting your case. You should also collect the other driver’s contact, license plate, and insurance details and document the accident location, witness information, and photographs of the scene and damages to both vehicles. This documentation will be invaluable when dealing with insurance companies or pursuing legal action. Don’t forget to contact the police to make a report of the accident. Even if the damage appears minor, an official report can be crucial in establishing liability.

Contact Your Insurance Company

You’ll need to contact your insurer right away. Your insurance company should have provided you with a number you can call in the event of an accident. When you speak to the insurance company representative, give them a true and complete account of the accident so they have all the information they need to guide you through the claims process.

Your insurer may be able to assist in case the other driver's coverage is insufficient. Under Florida law, your PIP coverage should help with initial medical expenses and lost wages, up to the limits of your policy. However, if your damages exceed your PIP coverage or if you've opted for additional coverage, such as Uninsured/Underinsured Motorist (UM/UIM) coverage, this may come into play.

Seek Medical Attention

It's important to seek medical attention promptly, even if you believe your injuries are minor. Some injuries may not manifest immediately, and a medical professional can provide an accurate assessment of your condition. Additionally, medical records will serve as crucial evidence in your case.

Uninsured/Underinsured Motorist Coverage (UM/UIM)

Planning ahead is important. Many drivers will eventually get in some type of accident, and the chances that a Florida driver will experience a collision with an uninsured or underinsured motorist are high. Although Florida is in the top 10 states with the most uninsured drivers according to MoneyGeek, the state does not require drivers to purchase uninsured/underinsured motorist coverage (UM/UIM). However, even though it’s not required, it’s a smart choice for drivers to purchase anyway.

If you have UM/UIM coverage, it can provide you with financial protection when the at-fault driver has insufficient insurance. UM coverage can also apply in hit-and-run accidents where the other driver is unknown. This coverage can be a lifeline, helping you recover damages for medical bills, lost income, pain and suffering, and other losses caused by the accident.

Legal Action

If your damages are significant and your insurance coverage isn't enough to fully compensate you, you may consider taking legal action against the underinsured driver. Depending on the cause of the accident, you may also have a claim against a negligent third party. 

An experienced personal injury attorney can help you navigate the legal process, negotiate with the insurance companies involved, or file a lawsuit to seek fair compensation for your injuries and losses. You should consult with a personal injury attorney as soon as possible following an accident to find out what all of your options are.

Conclusion

Dealing with an accident involving an underinsured or uninsured motorist in Florida can be challenging, but it's not a hopeless situation. By following these steps, you can protect your rights and pursue the compensation you deserve. 

Remember, consulting with a knowledgeable Florida personal injury attorney can make a significant difference in your ability to recover from such unfortunate incidents. Your legal advocate can help you understand your options, negotiate with insurance companies, and ensure that you're not left with the financial burden caused by someone else's negligence on the road. Stay safe out there, and know that help is available when you need it most.

Source

• https://www.moneygeek.com/insurance/auto/resources/uninsured-motorist-facts/ 

"The information provided herein is simply a brief overview of the Florida law on this particular matter. It should not be relied upon for legal purposes, as the facts and circumstances to any specific legal matter may vary substantially from the limited explanation and application of often complicated legal rules and principles that may be addressed herein, or applicable in your particular legal matter. You should only rely upon legal advice provided to you by a licensed attorney who has had an opportunity to fully evaluate your particular legal matter".