Legally, all drivers in Florida must carry at least the state’s minimum required amounts of car insurance. Unfortunately, many drivers illegally drive while uninsured or underinsured. If you get into a car accident with one of these drivers, you may need professional assistance with the claims process. Contact LaBovick Law Group for a free consultation with a car accident attorney in South Florida.
How Can a South Florida Uninsured Motorist Accident Lawyer Help?
Hiring a car accident lawyer can give you the freedom and energy to focus on your physical and emotional recovery. Your attorney can take over negotiations with an insurance carrier on your behalf, as well as handle tasks such as gathering evidence and hiring qualified experts. A lawyer can also guide you to other recovery opportunities if the at-fault driver is uninsured, such as a first-party insurance claim or a lawsuit.
Florida’s No-Fault Law and Uninsured Driver Claims
Florida’s no-fault law can help you after an accident with an uninsured driver. The no-fault law states that all drivers will seek financial benefits from their own insurance providers, regardless of fault. If the other driver involved in your crash does not have auto insurance, this is not a problem, as you will file a claim with your own insurance carrier.
In most cases, your personal injury protection (PIP) insurance will pay for your medical expenses and lost wages after an accident, whether or not the other driver had insurance. If, however, your injuries meet Florida’s serious injury threshold, you will have grounds to file a lawsuit against the at-fault party. Unfortunately, you may have trouble holding the other driver financially responsible for causing a serious auto accident if he or she is uninsured.
When To Consider a Car Accident Lawsuit
A Florida car accident lawsuit could result in greater financial compensation for your injuries and losses compared to a first-party insurance claim with your own provider. A lawsuit could reimburse you for physical pain and emotional suffering, for example, as well as punitive damages. This type of recovery will only be possible, however, if the at-fault party has enough insurance or assets to pay out a settlement or judgment award.
If another driver caused your wreck while uninsured, he or she may be unable to pay for your losses during a car accident lawsuit. Most uninsured drivers do not have the funds to pay financial compensation. A car accident attorney can potentially identify another party that caused or contributed to your auto accident in South Florida, such as an auto manufacturer. This could give you an outlet for fair financial recovery even if the other driver was uninsured.
What To Do After an Accident With an Uninsured Driver in South Florida
After a car accident with an uninsured driver, pull your car over and make sure no one is injured. If you do notice injuries, call 911 immediately and request an ambulance. Get the information of the other driver, including his or her name, a description of the vehicle, and contact information. As soon as you find out the other driver does not have insurance, call the police, as they will need to cite the driver for breaking Florida’s insurance laws.
If possible, take photographs and videos using a cell phone while still at the scene of the auto accident. Then, go to a hospital in South Florida immediately for professional medical care for your injuries. Request copies of your medical records and hospital bills. Next, call your car insurance company to report the accident.
When dealing with an insurance claims adjuster, do not admit fault for the auto accident or sign anything without talking to an attorney. Your insurance company may try to devalue your claim or wrongfully deny coverage. An attorney can help you with the insurance process, as well as inform you of your right to file a lawsuit, if applicable.
Consult With an Uninsured Motorist Accident Attorney in South Florida
If you or a loved one was recently injured in an uninsured driver accident, contact the South Florida car accident attorneys at LaBovick Law Group to request a free legal consultation. We can help you with the claims process while you focus on healing from your serious injuries. We understand how these unique types of accident cases work, as well as how to fight for maximum financial compensation despite the other driver not having insurance.
For more information about how we can help you and your family during this difficult time, contact us online or call (561) 623-3681.