The Other Driver Doesn’t Have Insurance. Am I Just Out Of Luck?

The Other Driver Doesn’t Have Insurance. Am I Just Out Of Luck?

Buy Uninsured/Underinsured Motorist Coverage !!

There has been a recent disturbing trend of more and more drivers not carrying any insurance to pay for the damage they cause on our Florida roads.  

At Zimmet & Zimmet we represent people injured in car accidents in Volusia and Flagler Counties. Today we received a statutorily required insurance disclosure from Dairyland Insurance company on one of our cases.

The negligent driver bought no bodily injury liability insurance coverage. In other words, there is no insurance to pay for the damages he caused.  We are seeing this more and more often in our practice. 

Even more disturbing, it is perfectly legal for Florida drivers to purchase automobile insurance without the bodily injury coverage that pays for the damage they cause.   

Until the Florida Legislature decides to change the law to make bodily injury coverage mandatory, the only way to protect yourself and your family is to purchase uninsured/underinsured motorist coverage.   

You may be surprised to find out how inexpensive it is to buy this coverage. Sometimes it only adds a few dollars to your premium.   

If you buy this coverage, your own insurance company stands in the shoes of the negligent driver’s missing insurance. Your insurance pays for the damages you suffer up to the limits you purchase.   


Without uninsured motorist coverage, you are rolling the dice with your family’s financial future.   Don’t be part of this new disturbing trend.   

We don’t sell insurance, but we highly recommend that you call your insurance agent today and add uninsured motorist coverage to your policy.


Zimmet & Zimmet, Car Accident Lawyers

Personal Attention & the Time to Get It Right



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