I've been through several tornadoes here in Florida, but I've never seen one. I did see a wall cloud once on the way back from Disney World, and that's the story I'll relate here.
On the way home on I-4, it had been storming like crazy all day- we pulled over a few times. My mom was driving, I was up front (watching for hail or anything else that could wreck our car), and my little sister was in back. Suddenly, at about 1:30 PM, the rain just stopped. We didn't know why. The sky got darker than it had been, but still light enough that we could clearly see what was going on outside, and several "fingerlike" clouds extended from the flat base. They were ragged, but we watched them out of curiosity. They continued to lower, and we thought maybe it was hail, as hail does take the appearance of a cloud from far away. The sky lightened up just a bit, and I kept watching the clouds, which were now about 3 miles ahead.
I saw something then that made me scream "SH*T!" at the top of my lungs. The clouds, which now extended to about 100 feet above the ground, began rotating around a central point, and slowly coming together. My mom immediately looked at me, shocked, (I was 12 at the time), then saw what I saw. Instead of doing the smart thing and getting out of there, she said "Hold on," and floored it. She then opened the screen that covers the sunroof, and we were treated to a great view of rotating clouds. We passed right under it, and the inside of the would-be funnel looked amazing. It was now light enough that I could see up, and our sunroof was not tinted. The base was risen by several dozen feet, I would assume, and there was a very dark cloud inside of the opening the rise in the cloud base had formed. After we passed under it, we kept an eye on the fingerlike clouds to see if anything would drop, but they started almost immediately to rotate more slowly and pull back up into the base. I had been leaning on the cell phone's send button with 911 ready to go to report a twister, but nothing happened, and I packed the phone up. It rained basically the rest of the way home, and there were some severe storms that we passed through on the way, but nothing topped the experience of driving under a would-be tornado.
That said, has anyone out there actually seen a tornado form from finglerlike clouds that reached nearly to the ground and rotated around a central point? We're convinced it was a twister in the making, but I've never really asked anyone qualified about it. I might do that with a storm chaser, but if there are any meteoroligists/ professional chasers in here who could help me, I'd appreciate it.