It is the law that all drivers in the state must have auto insurance but, in reality, 23 percent of drivers in Florida have NO INSURANCE according to the Insurance Research Counsel. And of those, many have only the minimum coverage, called PIP, which offers you no protection.
That information may not matter to you now, but it becomes crucial if you’re ever in a wreck with one of those drivers. If that time comes, after making sure everyone on the scene is safe, here’s what you need to do.
Exchange information Regardless of what insurance coverage you or the other driver has, get each other’s information at the scene of a crash: