If you’re involved in an accident with an uninsured driver in Florida, it’s crucial to know your options. Florida is a no-fault state, meaning your own insurance policy will cover your medical expenses and lost wages up to your policy limits, regardless of who is at fault. However, if your damages exceed your Personal Injury Protection (PIP) coverage, you may face challenges. Consider these steps:

1. **Uninsured Motorist Coverage**: If you have Uninsured Motorist (UM) coverage, it can help cover medical expenses, lost wages, and other damages caused by the uninsured driver.

2. **Collision Coverage**: This can cover the cost of repairs to your vehicle, regardless of fault.

3. **Legal Action**: You may need to file a lawsuit against the uninsured driver to recover additional damages, though this can be challenging if they lack assets.

4. **Consult an Attorney**: Seek legal advice to explore your options and ensure you receive fair compensation.

5. **Report the Accident**: Always report the accident to the police and your insurance company promptly.

By understanding your insurance coverage and legal rights, you can better navigate the aftermath of an accident with an uninsured driver in Florida.