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Getting into a car accident can be devastating. You can experience injuries that have an impact on your life, changing your quality of living and leaving you with tens to hundreds of thousands of dollars in medical debt along with other damages. If you’ve been the victim of a car accident, you may decide to […]
Call our personal injury law office directly at (727) 512-9847
At Jones Law Group in St. Petersburg, FL, we would like to hear from you. Contact us for a free personal injury case consultation.
Call our personal injury law office at (727) 512-9847
Get educated on the Florida's personal injury laws and more.
Getting into a car accident can be devastating. You can experience injuries that have an impact on your life, changing your quality of living and leaving you with tens to hundreds of thousands of dollars in medical debt along with other damages. If you’ve been the victim of a car accident, you may decide to sue the at-fault party for compensation. You can receive compensation for your damages, taking a lot of the stress of your back. But what if you were driving without car insurance? Are you still able to file a car accident claim?
Florida is a dangerous state when it comes to car accidents. In the United States each year, there are approximately two million serious injuries and 37,000 fatalities because of car accidents. In Florida, there were 3,183 fatal crashes in 2019. That means that there were 14.8 car accident fatalities per 100,000 people in Florida. The national average is only 11 per 100,000 people.
Road crashes are actually the leading cause of death in the United States for people aged 1-54, and these crashes end up costing United States citizens $871 billion a year in economic and societal costs.
Having car insurance is required no matter what state you’re in. Having car insurance protects you from any damage done to your vehicle or any injuries you may sustain when you are in an accident with another driver. Insurance protects you from a variety of things, depending on your coverage. It can protect you from having to spend money on repairs, rental cars, or even a new car if yours is totaled. It can also help you pay for medical costs if you choose the coverage.
But what happens when you don’t have insurance at all? Or when the person you’re filing a lawsuit against doesn’t have insurance? Well, first things first. Let’s talk about how many people in Florida have car insurance. In a study done by the Insurance Research Council, it was found that approximately 20% of Florida drivers didn’t have car insurance. That’s a fifth of the population! Florida ranks as the sixth-worst state in the nation when it comes to uninsured drivers. The national average is approximately 13%.
Whether you have major or minor injuries after your accident, you likely have some kind of medical debt, lost wages, or other damages. If you don’t have your own insurance, you may be worried about whether or not you can file a car accident lawsuit against the at-fault party.
So, can you file a lawsuit if you don’t have car insurance? The short answer is yes. However, many people who don’t have insurance and get into car accidents often don’t report their accidents, as they don’t want to deal with the fees associated with driving without insurance.
This is understandable, but when your damages such as medical debt and lost wages are high, these fees will seem insignificant. So, even if you’re driving without insurance, if you get into an accident, stop and get the other driver’s information. Then, stop and speak with a car accident attorney to see if there are any options for your case. Just because you don’t have insurance doesn’t mean you don’t deserve to be fairly compensated for your damages.
Unfortunately, even if you aren’t the cause of your car accident, you can incur some costs associated with driving while uninsured. When you file a police report documenting the accident, you’ll likely receive a ticket for driving without car insurance. As a result of this ticket, you’ll likely have your license suspended and you may have to pay a reinstatement fee. This fee can be up to $500. If you’re driving during a lapse of insurance, you may only receive a ticket, which can still come with a large fee attached.
To avoid these fees, always make sure that you have active car insurance while you’re driving. We know insurance is expensive, but so are the fines associated with not carrying it.
Here at Jones Law Group, we understand that Florida car insurance can be expensive. No matter what your reasons are for driving without insurance, we won’t judge you. We’re here to help you get the compensation that you deserve regardless of your reasoning.
Our talented team of attorneys will work hard to ensure that you are fairly compensated. With our years of experience, your case will be in great hands. For more information or to schedule a free case evaluation, please contact us online or by calling us at 727-571-1333.
Head-on car accidents are among the most dangerous and potentially deadly types of collisions on the road. According to the Insurance Information Institute, about 10% of all car wrecks in 2020 were head-on collisions. They resulted in 3,631 fatalities and tens of thousands of severe injuries. The attorneys with the Jones Law Group will be […]
There’s no single “average” Florida slip and fall settlement. Cases range from $10,000 for soft tissue injuries to seven figures for surgical fusions and TBIs. What actually decides the number is a stack of specific factors: injury severity, surgery, the notice rule under § 768.0755, HB 837’s 51% bar on comparative fault, and insurance policy limits. This 2026 guide walks through real settlement ranges, what moves a case from the low end to the high end, and the first 48 hours of evidence that matter most.
Rear-end accidents can inflict physical and psychological injuries that entail lasting effects. Summary A rear-end accident occurs when one driver crashes into the back of another vehicle. It is one of the most common types of car accidents, along with head-on, T-bone, and sideswipe accidents. Victims of a rear-end accident can suffer severe injuries that […]
By: Heath C. Murphy + – Personal Injury Rollover car accidents usually occur as a single car accident, but they can also occur in a multi-car accident, as well. Most rollovers occur because of the type of vehicle, rate of speed, roadway conditions, environmental factors or attempting to avoid roadway incidents. Remember, just because you […]
If you were involved in and slip and fall accidents on someone else’s property, you may be entitled to compensation. Property owners, such as business owners, owe a duty of care to anyone who steps foot on their property. According to their duty of care, they must keep all visitors reasonably safe. Business owners are […]
Blunt-force trauma from a personal injury accident can cause long-term consequences for an individual’s health and finances. Summary During a personal injury accident like a motorcycle, car, or slip-and-fall accident, the victim can come into contact with a hard object. A direct blow from a hard object, such as a car door, wall, dashboard, or […]
Speak with us before time runs out! In Florida, you have a limited window to file a personal injury case, so speak to an Attorney today.
Call our personal injury law office directly at (727) 512-9847
Jones Law Group is a dedicated personal injury lawyer in St. Petersburg, FL, serving the Tampa Bay area since 2006. Our experienced attorneys specialize in car accidents, slip and fall cases, employment law disputes, construction law issues, and overtime wage claims, fighting for maximum compensation on a contingency fee basis. Contact us for a free consultation to discuss your case.
Call our personal injury law office at (727) 512-9847
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