{"id":76202,"date":"2026-10-18T12:13:11","date_gmt":"2026-10-18T12:13:11","guid":{"rendered":"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/hit-by-uninsured-driver-florida\/"},"modified":"2026-11-04T00:55:29","modified_gmt":"2026-11-04T00:55:29","slug":"hit-by-uninsured-driver-florida","status":"publish","type":"page","link":"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/hit-by-uninsured-driver-florida\/","title":{"rendered":"Car Accident Settlement Florida: Uninsured Drivers"},"content":{"rendered":"\n<div class=\"wp-block-cover alignfull is-dark chg-hero\" style=\"min-height:460px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-70 has-background-dim wp-block-cover__gradient-background has-background-gradient\" style=\"background:linear-gradient(90deg,rgba(32,36,46,1) 0%,rgba(32,36,46,1) 55%,rgba(32,36,46,0.7) 100%)\"><\/span><img class=\"wp-block-cover__image-background\" alt=\"A traffic accident investigator photographs vehicle damage and road conditions at a multi-vehicle collision scene.\" src=\"https:\/\/chglawyers.com\/resources\/wp-content\/uploads\/2026\/10\/a-traffic-accident-investigator-photographs-vehicle-damage-a-photo-5.jpg\" fetchpriority=\"high\" decoding=\"async\"\/><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-block-cover-is-layout-constrained\">\n<p class=\"chg-eyebrow has-base-color has-text-color wp-block-paragraph\" style=\"text-shadow:0 1px 3px rgba(0,0,0,0.6),0 0 18px rgba(0,0,0,0.35)\">Florida Car Accident Claims | Igor Hernandez<\/p><h1 class=\"wp-block-heading has-base-color has-text-color\" style=\"text-shadow:0 1px 3px rgba(0,0,0,0.6),0 0 18px rgba(0,0,0,0.35)\">Hit by an Uninsured Driver? You Still Have Options.<\/h1><p class=\"has-base-color has-text-color wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.625), 1.25rem);text-shadow:0 1px 3px rgba(0,0,0,0.6),0 0 18px rgba(0,0,0,0.35)\">When the at-fault driver has no insurance, the path to compensation can feel unclear. Our Florida attorneys can explain how your own coverage may apply and what steps to take next.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Get a Free Case Evaluation<\/a><\/div><div class=\"wp-block-button chg-cta chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Get a Free Case Evaluation<\/a><\/div><\/div>\n<\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:0.85rem;color:#6b7280;margin-bottom:1.5rem\">By CHG Lawyers \u00b7 Published November 3, 2026<\/p>\n\n<article lang=\"en\">\n\n\n<p>You may still be able to get a car accident settlement in Florida. This can be true even when the other driver had no insurance. Your own insurance often pays first. In some cases, you may also have a claim against the driver personally.<\/p>\n<p>Florida&#8217;s rules are detailed. It helps to know the order they follow.<\/p>\n<p>This page explains the coverage and deadlines that matter most after a crash with an uninsured driver. It is general information. It is not advice about your case.<\/p>\n<h2>Can You Still Get a Car Accident Settlement Florida If the Other Driver Was Uninsured?<\/h2>\n<p>Often, yes. Your own coverage may pay. In some cases, the at-fault driver may also pay.<\/p>\n<p>Two things decide which sources apply:<\/p>\n<ul>\n<li>The facts of your crash.<\/li>\n<li>The insurance you carry.<\/li>\n<\/ul>\n\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Not sure what your next step is?<\/h3><p class=\"wp-block-paragraph\">Talk it through with our team &#8212; the first consultation is free, confidential, and carries no obligation.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Get a free consultation<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Get a free consultation<\/a><\/div><\/div>\n<\/div>\n\n<figure class=\"wp-block-image size-large has-custom-border\"><img decoding=\"async\" src=\"https:\/\/chglawyers.com\/resources\/wp-content\/uploads\/2026\/10\/two-damaged-vans-after-collision-on-grass-photo-12.jpg\" alt=\"Two damaged vans sit parked on a grassy field in Toyokawa, Japan.\" style=\"border-radius:8px;width:100%;aspect-ratio:16\/9;object-fit:cover\"\/><\/figure>\n<h2>What coverage pays first after a crash with an uninsured driver?<\/h2>\n<p>Your own personal injury protection (PIP) pays first. PIP is coverage that pays some medical and disability costs after a crash.<\/p>\n<p>Florida car insurance policies that meet the state&#8217;s security requirements must include PIP. Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.736.html\">Fla. Stat. \u00a7 627.736<\/a>, PIP provides:<\/p>\n<ul>\n<li>Up to $10,000 in medical and disability benefits.<\/li>\n<li>Up to $5,000 in death benefits.<\/li>\n<\/ul>\n<p>PIP benefits are primary. That means they pay before other sources.<\/p>\n<p>Workers&#8217; compensation benefits must be credited against PIP benefits.<\/p>\n<h2>Can you sue the driver who had no insurance?<\/h2>\n<p>Yes, in many cases.<\/p>\n<p>Tort liability means legal responsibility for harm someone causes.<\/p>\n<p>An owner who lacks the required security can be sued. The owner can also become personally liable for PIP benefits under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.733.html\">Fla. Stat. \u00a7 627.733<\/a>.<\/p>\n<p>A civil action is a lawsuit against the at-fault driver. This applies when the injury meets the requirements described below (<a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.737.html\">Fla. Stat. \u00a7 627.737<\/a>).<\/p>\n<p>A lawsuit against a driver without insurance can involve more paperwork. It can also raise more questions about collecting payment. The details matter.<\/p>\n<h2>What is the tort threshold for pain and suffering?<\/h2>\n<p>Florida limits pain-and-suffering claims to certain serious injuries. Lawyers often call this limit the verbal threshold.<\/p>\n<p>The law covers these categories:<\/p>\n<ul>\n<li>Significant and permanent loss of an important bodily function.<\/li>\n<li>Permanent injury within a reasonable degree of medical probability, other than scarring or disfigurement.<\/li>\n<li>Significant and permanent scarring or disfigurement.<\/li>\n<li>Death.<\/li>\n<\/ul>\n<p>Your medical records and your doctors&#8217; findings help decide whether an injury fits one of these categories. Follow your doctors&#8217; care. Keep every record.<\/p>\n<h2>How do uninsured and underinsured motorist coverage fit in?<\/h2>\n<p>Uninsured motorist (UM) coverage and underinsured motorist (UIM) coverage are added to your own policy. They can help when the at-fault driver has no insurance. They can also help when the driver has too little insurance.<\/p>\n<p>Each of these claims depends on its own facts and circumstances:<\/p>\n<ul>\n<li><strong>Stacking limits.<\/strong> Coverage for two or more vehicles is not added together for one accident. This applies when your insurer offers a policy and you accept that rule.<\/li>\n<li><strong>Settlement notice.<\/strong> Suppose a proposed settlement with the at-fault driver&#8217;s liability insurer would not fully pay your claim. You must then send written notice to your underinsured motorist insurers. Send it by certified or registered mail. The underinsured motorist insurer then has 30 days after receipt to consider the settlement or keep its subrogation rights. Subrogation means an insurer&#8217;s right to seek repayment of benefits it paid, including from the responsible party.<\/li>\n<li><strong>Insolvent insurers.<\/strong> An insolvent insurer is one that can no longer pay its claims. If the at-fault driver&#8217;s insurer becomes insolvent, you must present a claim against that insurer under this coverage to the Florida Insurance Guaranty Association only.<\/li>\n<\/ul>\n<p>Do not sign a release with an at-fault insurer before these notice steps are handled. A release is a document that ends your legal options. Signing one too early can end those options.<\/p>\n<h2>What are Florida&#8217;s filing deadline and fault rules?<\/h2>\n<p>Florida filing deadlines apply to most injury lawsuits. A filing deadline is the last day you can file a lawsuit. Missing it can end your right to sue.<\/p>\n<p>Act promptly. Contact a lawyer as soon as you can.<\/p>\n<p>Florida&#8217;s comparative fault law divides fault among the people involved in an accident (<a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.81.html\">Fla. Stat. \u00a7 768.81(6)<\/a>). How it applies to your claim depends on the facts of the crash.<\/p>\n\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Not sure what your next step is?<\/h3><p class=\"wp-block-paragraph\">Talk it through with our team &#8212; the first consultation is free, confidential, and carries no obligation.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Get a free consultation<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Get a free consultation<\/a><\/div><\/div>\n<\/div>\n<h2>How do health insurance and other benefits affect a settlement?<\/h2>\n<p>Florida law requires a court to reduce a damages award by amounts paid or available from collateral sources. Collateral sources are other payments, such as some health coverage (<a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.76.html\">Fla. Stat. \u00a7 768.76<\/a>).<\/p>\n<p>There is no reduction for sources that have a subrogation or reimbursement right (<a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.76.html\">Fla. Stat. \u00a7 768.76<\/a>).<\/p>\n<p>How these rules apply to your bills depends on the facts of your claim and your coverage.<\/p>\n<h2>What does it cost to talk with CHG Personal Injury Lawyers?<\/h2>\n<p>Our first consultation is free, confidential, and carries no obligation to continue. CHG charges no attorney&#8217;s fees and no case costs unless there is a recovery.<\/p>\n<p>CHG Personal Injury Lawyers is a Florida personal injury firm. We serve clients throughout Florida, including Miami, Orlando, Tampa and Jacksonville. Igor Hernandez is the attorney responsible for this page. He is admitted to The Florida Bar.<\/p>\n\n<figure class=\"wp-block-image size-large has-custom-border\"><img decoding=\"async\" src=\"https:\/\/chglawyers.com\/resources\/wp-content\/uploads\/2026\/10\/a-damaged-car-with-a-crumpled-front-end-after-striking-a-lam-photo.jpg\" alt=\"Damaged car that crashed into a street lamp post on a London road at twilight\" style=\"border-radius:8px;width:100%;aspect-ratio:16\/9;object-fit:cover\"\/><\/figure>\n<h2>Frequently asked questions<\/h2><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Does my own car insurance pay if the at-fault driver had no insurance?<\/summary><p>Your PIP coverage pays first. Your uninsured motorist coverage may also apply. Which coverage applies depends on your policy and the facts of the crash.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>How long do I have to file a car accident lawsuit in Florida?<\/summary><p>Florida filing deadlines apply. Contact a lawyer promptly. Missing a deadline can end your right to sue.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Can I sue the driver who hit me if they have no insurance?<\/summary><p>In many cases, yes. An uninsured owner can be sued. The owner can also be personally liable for PIP benefits.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Does Florida&#8217;s fault rule affect my car accident settlement?<\/summary><p>Yes. Florida&#8217;s comparative fault law, <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.81.html\">Fla. Stat. \u00a7 768.81<\/a>, divides fault among the people involved in an accident.<\/p>\n<p>If an uninsured driver left you facing medical bills and missed paychecks, our team can talk through your options with you. You don&#8217;t have to sort it out alone. <a href=\"https:\/\/chglawyers.com\/contact-us\/\">Reach out to our team<\/a> for your free, confidential consultation.<\/p><\/details><\/article>\n<footer class=\"disclaimer\"><em>This is attorney advertising. The information provided is for general informational purposes only and is not legal advice. Prior results do not guarantee a similar outcome, and contacting the firm does not create an attorney-client relationship. Cornish Hernandez Gonzalez, PLLC, 2525 Ponce de Leon Blvd, Suite 300, Coral Gables, FL 33134.<\/em><\/footer>\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-583d630a wp-block-group-is-layout-constrained\" style=\"padding-top:3rem;padding-bottom:3rem;padding-left:1.5rem;padding-right:1.5rem\">\n<h2 class=\"wp-block-heading has-text-align-center\">How We Can Help<\/h2>\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--info\"><\/span><\/p><h3 class=\"wp-block-heading\">Clear Answers About Your Coverage<\/h3><p class=\"wp-block-paragraph\">We explain how your own auto policy, including any uninsured motorist coverage, may respond after a crash with an uninsured driver.<\/p><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--document\"><\/span><\/p><h3 class=\"wp-block-heading\">Careful Handling of the Paperwork<\/h3><p class=\"wp-block-paragraph\">We help gather the police report, medical records, and insurance information needed to support your claim.<\/p><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--users\"><\/span><\/p><h3 class=\"wp-block-heading\">Support for Your Family<\/h3><p class=\"wp-block-paragraph\">We keep you informed at every stage so you can focus on recovering and caring for the people who depend on you.<\/p><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--shield\"><\/span><\/p><h3 class=\"wp-block-heading\">Florida-Based Representation<\/h3><p class=\"wp-block-paragraph\">Our attorneys are licensed and admitted to practice in Florida, and we serve injured people across the state.<\/p><\/div><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Do Not Accept an Offer Too Quickly<\/h3><p class=\"wp-block-paragraph\">Early settlement offers may not reflect the full cost of your medical care, lost income, or long-term needs. Speak with a lawyer before you accept any offer or sign any release.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Talk With Us Before You Decide<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Talk With Us Before You Decide<\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-surface-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-583d630a wp-block-group-is-layout-constrained\" style=\"padding-top:3rem;padding-bottom:3rem;padding-left:1.5rem;padding-right:1.5rem\">\n<h2 class=\"wp-block-heading has-text-align-center\">What to Do After a Crash With an Uninsured Driver<\/h2>\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Get Medical Care<\/h3><p class=\"wp-block-paragraph\">Seek evaluation right away, even if you feel you have only minor injuries. Follow the advice of your doctors.<\/p><\/div><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Document the Scene<\/h3><p class=\"wp-block-paragraph\">Take photos of the vehicles, the roadway, and your injuries. Collect names and contact details of any witnesses.<\/p><\/div><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Report the Crash<\/h3><p class=\"wp-block-paragraph\">Obtain the police report and notify your own insurance company about the accident.<\/p><\/div><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Talk With a Lawyer<\/h3><p class=\"wp-block-paragraph\">A conversation with our team can help you understand your options before you make decisions about your claim.<\/p><\/div><\/div><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-base-color has-primary-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-4d466591 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--primary,#20242e);color:var(--wp--preset--color--base,#ffffff);padding-top:3rem;padding-bottom:3rem;padding-left:1.5rem;padding-right:1.5rem\">\n<h2 class=\"wp-block-heading has-text-align-center has-base-color has-text-color\">Your First Consultation Is Free, Confidential, and Comes With No Obligation to Continue<\/h2>\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-0aa01211 wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Contact CHG Personal Injury Lawyers Today<\/a><\/div><div class=\"wp-block-button chg-cta chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Contact CHG Personal Injury Lawyers Today<\/a><\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\">Related practice areas<\/h2><ul class=\"wp-block-list\"><li><a href=\"\/resources\/car-accident-settlements-florida\/\">Car Accident Settlements in Florida: What Your Case May Be Worth<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/florida\/\">Car Accidents in Florida<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/miami\/\">Car Accidents in Miami<\/a><\/li><\/ul>\n<!-- chg:section-siblings -->\n<nav aria-label=\"More in this section\">\n<h2>More in this section<\/h2>\n<ul><li><a href=\"\/resources\/car-accident-settlements-florida\/how-back-injury-settlement-calculated-car-accident\/\">How a Back Injury Settlement Is Calculated After a Car Accident<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/how-can-i-find-out-about-local-car-accidents\/\">How can I find out about local car accidents?<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/how-car-accident-settlements-are-calculated\/\">How Is an Average Car Accident Settlement Calculated?<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/how-do-i-look-up-an-accident-report-in-florida-without\/\">How do I look up an accident report in Florida without?<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/how-do-you-prove-back-pain-from-a-car-accident\/\">How do you prove back pain from a car accident?<\/a><\/li><\/ul>\n<\/nav>\n<!-- \/chg:section-siblings -->","protected":false},"excerpt":{"rendered":"<p>Hit by an uninsured driver in Florida? Learn how a car accident settlement florida claim may work, what PIP pays first, and key deadlines.<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":39266,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"chg_review":"","chg_sendback":"","chg_canonical":"","chg_lang":"","chg_hreflang":"[{\"hreflang\": \"en\", \"href\": \"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/hit-by-uninsured-driver-florida\/\"}, {\"hreflang\": \"es\", \"href\": \"https:\/\/chglawyers.com\/resources\/es\/liquidacion-accidentes-autos-florida\/accidente-conductor-sin-seguro-florida\/\"}, {\"hreflang\": \"x-default\", \"href\": \"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/hit-by-uninsured-driver-florida\/\"}]","chg_jsonld":"[{\"about\": [{\"@type\": \"Thing\", \"name\": \"Personal injury\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Personal_injury\"}, {\"@type\": \"Thing\", \"name\": \"Statute of limitations\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Statute_of_limitations\"}], \"author\": {\"@type\": \"Organization\", \"@id\": \"https:\/\/chglawyers.com\/resources\/#organization\", \"name\": \"CHG Personal Injury Lawyers\", \"url\": \"https:\/\/chglawyers.com\/\"}, \"@context\": \"https:\/\/schema.org\", \"audience\": {\"@type\": \"Audience\", \"audienceType\": \"Car accident victims in Florida\"}, \"headline\": \"Hit by an Uninsured Driver in Florida? 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This rule does not apply to personal injury or wrongful death claims arising out of medical negligence under chapter 766.If an uninsured driver left you facing medical bills and missed paychecks, our team can talk through your options with you. You don't have to sort it out alone. 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