Norden Leacox Accident & Injury Law | May 16, 2025 | Car Accident Lawyer Near Orlando Florida
Driving without insurance is against the law in Florida and can lead to strict penalties for drivers caught. In addition to criminal penalties for uninsured drivers, driving without insurance can create financial problems for those affected in a car accident. If you were involved in a car accident where the at-fault driver was uninsured or underinsured, an Orlando auto accident attorney can help.
Florida’s Laws on Driving Without Vehicle Insurance
Florida law requires all drivers to carry valid vehicle insurance with minimum coverage levels. If your car is registered in Florida, it must also be insured. Failing to keep insurance updated can lead not only to fines but also to suspension of your Florida driver’s license and car registration.
Restoring these privileges will require payment of hefty fees and proof of valid insurance. The costs involved with a no-insurance penalty can far outweigh the simple cost of keeping insurance current.
Penalties for Driving Without Insurance
Florida’s penalties for driving without insurance can include:
- First offense: $150 fee to reinstate license and registration, citation for failure to show proof of insurance.
- Second offense (within 3 years of the first): $250 reinstatement fee and citation for failure to show proof of insurance as a second offense.
- Third offense (within 3 years): $500 license reinstatement fee, suspension of license and registration.
In addition to penalties imposed by prosecuting officials and the Secretary of State, uninsured drivers will likely face other consequences such as increased insurance premiums. Driving without insurance can leave you classified as a high-risk driver for insurance purposes.
Florida drivers must always carry proof of insurance and provide that proof to law enforcement officers when asked. If you were involved in an accident, the other driver is expected to have their proof of insurance with them.
Financial Risks of Driving Without Insurance in Florida
In addition to legal penalties, driving without insurance carries serious financial risks. If a driver causes an accident without insurance, that driver is legally responsible for all damages caused to the other driver, including their injuries. This includes vehicle damages, medical bills, costs of therapy and treatment, lost income suffered by the injured driver, and the accident victim’s pain and suffering.
Injured drivers, passengers, cyclists, and pedestrians can file legal claims against uninsured drivers when the uninsured driver caused their injuries. A legal judgment can lead to garnishment of wages, liens on property, and other serious financial ramifications for the uninsured driver.
Can I File a Lawsuit Against an Uninsured Driver in Florida?
Florida is a no-fault state for vehicle insurance purposes. This means you can file a personal injury lawsuit against an uninsured driver if your injuries were serious and meet certain thresholds.
In a Florida car accident, you will need to prove liability by showing the elements of negligence:
- Duty of care owed by the at-fault driver to other drivers. Drivers have duties to follow traffic laws and drive with caution to avoid accidents.
- Breach of duty. When drivers don’t act as reasonable drivers should in the situation, they could have breached their duty of care.
- Causation. There needs to be a clear connection between the at-fault driver’s negligence and the victim’s injuries.
- Damages. Damages in a Florida car accident claim might include medical bills, lost income, vehicle damage, and pain and suffering.
If your injuries meet the threshold of seriousness, it’s crucial to consult with a personal injury attorney to ensure that your rights are protected and to navigate the complexities of pursuing a claim.
Contact an Orlando Car Accident lawyer at Norden Leacox Accident & Injury Law Today
If you or a loved one has been injured in a car accident in Orlando, FL, you could be legally entitled to compensation. Pursuing compensation from an uninsured driver can be a complicated process. An experienced Orlando car accident lawyer can help.
For more information, please contact Norden Leacox Accident & Injury Law to schedule a free consultation. We have five convenient locations in Florida, including Orlando, Palm Bay, Melbourne, Cocoa, and Titusville.
Norden Leacox Accident & Injury Law – Orlando, FL Office
633 E Colonial Dr
Orlando, FL 32803
Phone: (407) 801-3000
Hours: Open 24/7
Our firm is located near you. We have an office in Orlando, FL.
Find us with our GeoCoordinates: 28.5534238,-81.3692001
Norden Leacox Accident & Injury Law – Palm Bay, FL Office
4620 Lipscomb Street N.E Suite #3K
Palm Bay, FL 32905
Phone: (321) 677-5964
Hours: Open 24/7
Our firm is located near you. We have an office in Palm Bay, FL.
Find us with our GeoCoordinates: 28.039083,-80.6083109
Norden Leacox Accident & Injury Law – Melbourne, FL Office
1600 W Eau Gallie Blvd #205j
Melbourne, FL 32935
Phone: (321) 450-7134
Hours: Open 24/7
Our firm is located near you. We have an office in Melbourne, FL.
Find us with our GeoCoordinates: 28.1289147,-80.6461588
Norden Leacox Accident & Injury Law – Cocoa, FL Office
717 S Cocoa Blvd STE 203
Cocoa, FL 32922
(321) 449-8042
Hours: Open 24/7
Our firm is located near you. We have an office in Cocoa, FL.
Find us with our GeoCoordinates: 28.3511613,-80.7312948
Norden Leacox Accident & Injury Law – Titusville, FL Office
4527 S Hopkins Ave Suite B
Titusville, FL 32780
Phone: (407) 801-3000
Hours: Open 24/7
Our firm is located near you. We have an office in Titusville, FL.
Find us with our GeoCoordinates:28.5584923,-80.8010051