Florida Crash Statistics Reveal Rising Risks and Strain on Auto Insurance Industry

Life in Florida is rapidly becoming more expensive, and people are making hard choices. Some people are choosing to drive without insurance to save money for necessities. But with Florida’s consistently high rate of serious vehicle accidents, the attorneys at Colling Gilbert Wright stress that carrying auto insurance is not optional—it’s essential.

Crashes With Serious Injuries Are Common in Florida

Florida is among the top states for frequency and severity of car crashes. Population growth, tourism, and congested urban areas all contribute to the high number of accidents.

According to statistics collected by the Florida Department of Highway Safety and Motor Vehicles, there have been around 400,000 crashes every year since 2021. Between 3,100 and 3,500 people die in vehicle accidents annually, and more than 12,000 people suffer debilitating injuries.

For those who were badly hurt or whose loved one died in a crash, the at-fault driver’s car insurance is the primary source of compensation. A skilled personal injury lawyer who conducts a thorough investigation can often find additional potentially responsible parties, but obtaining fair compensation after a Florida car crash becomes far more complicated when the at-fault driver has no insurance.

Driving Without Insurance Is a Big Risk

As crash rates rise, many Florida families are also dealing with increasing financial strain. Some believe they can save hundreds of dollars a month by letting their car insurance lapse. Although cutting car insurance may feel like a reasonable way to reduce expenses, our accident attorneys strongly advise against it.

It’s illegal to drive without insurance in Florida, and it puts your family’s financial stability at risk. Even if it’s hard for you to scratch together your premium payment, you could be liable for huge sums if someone is seriously injured in a crash and you’re at fault.

Estimates suggest that up to 20 percent of Florida drivers are uninsured. Having your own coverage is crucial if you’re injured in a wreck with an uninsured driver. Your PIP coverage will pay your initial medical expenses, and optional uninsured motorist (UM) coverage can help pay additional accident-related costs.

Remember Florida Crash Statistics When Deciding Whether to Keep Your Insurance

If you’re a good driver, dropping your car insurance might seem like a reasonable risk. But a single mistake—or another driver’s reckless behavior—could leave you facing overwhelming financial consequences.

If another party causes your crash, the attorneys at The Florida Firm can pursue compensation for your injuries even if you don’t have your own auto insurance. Our team works on a contingency fee basis, meaning we don’t get paid unless we recover compensation for you. Contact our intake team today to learn more.