If you’re in an accident with an uninsured driver in Florida, the first thing you should do is contact your car insurance company to make sure you have uninsured motorist coverage. In south Florida, a large number of people have little or no insurance. Uninsured motorist coverage protects you against the rest of the world for car accidents that can be caused by third parties. In fact, you should probably check your car insurance policy now to make sure you have uninsured motorist coverage on your policy. Very important.