If you get hit by someone without insurance, you may still have options for recovering compensation. Florida is a no-fault insurance state, so the initial care you receive will be paid by your own Personal Injury Protection portion of your policy. If you suffered serious injuries from an accident in Florida, you may also be able to make a claim against your own insurance company if you carry UM (Uninsured/Underinsured) Coverage. Our office will always request certified copies of all insurance policies from all drivers involved in an accident as soon as possible.