What To Do If You Are In An Accident With an Uninsured Driver
Mark A. Steinberg
Insurance Laws
In the state of Florida it is the law that you have insurance on your vehicle. You must carry Personal Injury Protection (PIP) and Property Damage Liability (PDL). It is required to carry a minimum of $10,000 for PIP and PDL. Sadly, even if it is the law, many do not follow it. Florida has one of the highest rates for uninsured drivers. It is estimated that 23% of Florida drivers are uninsured. Be Prepared for Uninsured Motorists
If you are in Florida, the best way to be prepared should you get hit by an uninsured motorist is to add additional insurance:
● Uninsured Motorist: Uninsured Motorist coverage will “kick in” when you are in an accident with an uninsured driver.
● Underinsured Motorist: Similar to uninsured motorist coverage, it covers the cost difference between your total damages and the other driver’s insurance coverage.
● Collision Coverage: Collision coverage can help you pay for your vehicle when you are in an accident with an uninsured driver or a hit and run driver.
Steps To Take When You Are Hit By An Uninsured Motorist
As if it isn’t bad enough being in an accident caused by someone else; finding out they have no insurance, it is important you take the following steps to protect yourself:
• Contact Police: While this is standard in every accident it is especially important when the person who hit you is uninsured. You need to have an accident report.
• Exchange Information: Even without insurance, you need all of the other drivers contact information and vehicle details. Also get the contact information of all witnesses who saw the accident
• Collect Evidence: If possible collect evidence. If not have someone get photos of the vehicles, including make and model of the other car, and all views of the road at time of accident. Also make sure to get the police officer’s information.
• Refuse Any Bribes Or Money: A driver without insurance can not only face large fines, but can also lose their license. They may offer you money to avoid any legal issues.
• Contact A Florida Accident Lawyer: It is important that you discuss your accident with a Florida accident attorney as soon as possible so you can fully understand what your options are.
Please keep in mind that if you are injured, go straight to the hospital. It does not matter if the driver is insured or not, your health is more important.
How Do I Get Compensation From An Uninsured Motorist?
Your Florida Personal Injury Attorney will explain your options including:
● You can collect damages for your own auto insurance as Florida is a “no fault” state. So you have the option to obtain payment with your personal injury protection liability.
● If your Florida accident lawyer can confirm the uninsured driver has assets such as property, valuable or other assets, liquidation is an option to get the payment you deserve.
● Even though Florida is a “no fault” state, it does allow exceptions for seeking damages. They include if you have experienced significant and permanent loss of a bodily function, a permanent injury, scarring or disfigurement. Also uninsured motorists have no immunity from liability and are personally liable for the payment of PIP benefits. This is why you should always consult with an accident lawyer.
When it comes to dealing with uninsured motorists, The accident lawyers at All Injuries Law Firm are committed to helping those who have been injured as a result. With over 30 years of business, We will fight to get you the compensation you need and deserve. With locations throughout South West Florida, we are here to help. Call us today at 1-941-625-HURT for a free consultation.