Yes, in the state of Florida, and most other states as well, the insurance company of the person you hit from behind can legally come after you so that you need to repay them for the cost of the repairs for the damages you caused. Since you do not have valid insurance for the other party's insurance company to subrogate with than they can request you personally to your pay for all of the damages you caused.

The insurance company can request that your pay since you were at fault and was uninsured at the time of the accident and thus do not have an insurance company to reimburse the other party's insurer for the monies they paid out. If you do not pay or negotiate a payment plan then the insurance company can take you to court to seek a judgment against you. The other person's insurer does not need to get a judgment though to first request it to be paid since as an uninsured motorist you are being held personally responsible for the accident. If you choose to ignore the payment request then the insurer will likely proceed with filing a lawsuit against you.

In Florida the insurance regulator notes that if you are at fault in an accident while driving without insurance you should negotiate with each person that sustained property damages to obtain releases for their damages. If the person is insured, you should negotiate with the person's insurance company as the company assumes the rights of compensation since they have reimbursed the insured for their loss.

If you are unable to pay the amount of damages in full, you may pursue a monthly payment agreement. In Florida with the insurance coverage and releases or monthly repayment agreements, you will be able to provide them upon notice from the department to avoid unnecessary suspensions of your driver license, tags, and registrations.

The Florida Department Highway Safety and Motor Vehicle (HSMV) and the FL Bureau of Financial Responsibility both get involved when an uninsured party is at fault in an accident causing injury, property damage or both. If you had no car insurance at all and receive a judgment against you, the Bureau of Financial Responsibility will suspend your license, tags and registration for up to 20 years or until the entire judgment is satisfied.

If you were cited for driving without insurance then the penalties associated with this offense include suspension of your driving privilege, vehicle tag and registration, for up to three years or until proof of Florida insurance is provided, whichever is first. If your driving privilege is suspended because you are not properly insured, there is also a penalty to reinstate your license. A reinstatement fee of $150 up to $500, for subsequent violations, must be paid and you must provide proof of current Florida insurance.

To get the required Florida car insurance, which may include filing a SR-22 depending upon your situation, click here for free auto insurance quotes.