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The Insurance Research Council (IRC) released a study in 2021 reporting that 12.6 percent, or 28 million U.S. motorists, about one in eight drivers, are uninsured. This was a nine-year high. 

• There were over 460,000 more, uninsured drivers, in 2019 than in 2015 because of the growth in the overall population of licensed drivers.

• The estimate is that insured drivers paid over $13 million per year for costs related to uninsured motorists. 

In March 2021, the Orlando Sentinel reported that more than 20 percent of Florida drivers are uninsured, making Florida the sixth-worst state in the United States for uninsured motorists. Every year, Florida reports nearly 25 percent of all crashes involve hit-and-run accidents. These accidents may result in property damage to the vehicle(s), injuries, and tragic deaths.

Uninsured and/or underinsured (UM-UIM) drivers represent a real danger for other drivers. Florida law protects drivers from those who cause accidents and have no insurance or insufficient insurance. Uninsured and underinsured motorist coverage reimburses policyholders in an accident involving an uninsured, underinsured, or hit-and-run driver. At least twenty states and the District of Columbia require that motorists have uninsured or underinsured motorist coverage. 

“Uninsured and underinsured insurance is not mandatory in the state of Florida. However, we at Spivey Law Firm, Personal Injury Attorneys, P.A. encourage all motorists to carry UM-UIM coverage because it covers the medical expenses, lost wages, and pain and suffering after personal insurance protection (PIP) is exhausted. Drivers should never sign any forms rejecting this coverage,” said Fort Myers Uninsured Motorist Lawyer, Randall Spivey. 

Following are the more common vehicle accidents in which drivers may be injured by an uninsured or underinsured driver: 

• Head-on collisions, where two cars run directly into each other.
• "T-bone" collisions, where the front of one car strikes the side of another vehicle.
• Rear-end collisions, where one car runs into the back of another vehicle. These accidents can be chain-reaction multiple-vehicle accidents.
• Rollover accidents, where one car rolls over, are often the result of taking corners too fast.
• Side-swipe collisions, where one car's side collides with another car's side. 

Motor vehicle accident victims may suffer any number of the following injuries in a vehicle accident for which they would need medical attention and should seek compensation: 

• Back injuries
• Burns
• Crush and soft tissue injuries
• Facial injuries and scars
• Foot and ankle injuries
• Fractures and broken bones
• Internal injuries
• Knee injuries
• Lacerations
• Loss of limbs and amputation
• Neck injuries
• Shoulder injuries
• Spinal cord injuries
• Traumatic brain injuries (TBI)
• Wrist and hand injuries 

Why should you choose Spivey Law Firm, Personal Injury Attorneys, P.A.? 

• We handle personal injury cases throughout the state of Florida.
• We handle all types of serious or wrongful death vehicle and other accidents.
• We provide personalized representation and are available 24/7.
• We have a proven track record of securing more than $219,000,000 in compensation for our clients. 

Randall Spivey, the President and founder of Spivey Law Firm, Personal Injury Attorneys, P.A. is a Board Certified Civil Trial Attorney.  Only Board Certified Attorneys in Florida can hold themselves out as specialists and only 1% of Florida lawyers have achieved the honor of Board Certification in civil trial law.  This certification is the Florida Bar Association’s highest level of recognition of attorney competency and experience.  

Randall Spivey is also recognized as a Preeminent Attorney by Martindale-Hubbell and is committed to providing clients with the highest level of service and expertise.  

Should you or a loved one be injured in a vehicle accident with an uninsured or underinsured driver, please contact Spivey Law Firm, Personal Injury Attorneys, P.A. after seeking medical attention at 239.337.7483, toll-free at 1.888.477.4839, or contact the firm online at SpiveyLaw.com.