Report the accident to your insurer as soon as possible. Questions about uninsured motorist claims?A Miami personal injury lawyer at Shaked Law Personal Injury Lawyers can help you navigate the complex process. To use your UM coverage, you must first prove that the other driver was at fault and that they were uninsured or underinsured. Personal Injury Protection (PIP): Every car insurance policy in Florida is required to provide PIP coverage, regardless of who was at fault for the accident. Report the accident to your own insurance company as soon as possible. Call (877) 647-4545 to report claim. It is highly recommended that all drivers in Florida take out underinsured (UM coverage) or uninsured motorist coverage (UIM coverage). If you were injured in an auto accident and have uninsured or underinsured motorist coverage, we recommend contacting our firm to discuss your options. As soon as possible, contact your own insurance company to report the accident.