What To Expect When An Uninsured Driver Is Involved In A Florida Car Accident

What To Expect When An Uninsured Driver Is Involved In A Florida Car Accident

Back in 2020, there were a total of 341,399 accidents in Florida. If it isn’t obvious, it is very likely that you might find yourself in a car accident if you’re a West Palm Beach resident. Consider yourself lucky if you’ve been fortunate enough not to have been involved in a car accident. It is still likely that you’ve witnessed an accident at some point.

Auto accidents are quite common, and some incidents can be quite traumatizing. Dealing with the aftermath of a car crash is a stressful affair. Suppose that you are involved in a car accident with an uninsured driver. In that case, the situation can become so much worse for you to contend with.

Working with experienced West Palm Beach car accident lawyers can take the load off of your shoulders so you can focus on recovering after the accident. However, it is important for you to know what you can expect when you are involved in a road accident with an uninsured driver in Florida. 

Protecting Yourself Against Uninsured Motorists In Florida

Florida is a no-fault state and that means you’re legally required to have no-fault insurance that offers adequate personal liability protection and personal injury protection. Since it is a no-fault state, each driver involved in an accident is required to turn to their insurance provider to seek financial help to recover the damages incurred in the accident.

You can also add uninsured motorist coverage to your insurance policy to cover your losses. Florida residents can obtain two types of insurance coverage they can use to cover their medical expenses in the event that they’re involved in an accident with an uninsured driver. UIM is primarily designed to compensate you for medical expenses, but you can obtain Uninsured Motorist Property Damage Coverage to help you recover the expenses for damage to your car and other property in an accident with an uninsured driver.

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Steps To Take When In An Accident With An Uninsured Motorist

The process of dealing with the situation if you’re involved in an accident with an uninsured driver in Florida is similar to what you might do in any other accident. The first thing to do is call law enforcement and file an official report of the accident when they arrive.

Ideally, you should get the other party’s information while you wait for them. Since you won’t be able to get their insurance information, you should write down their contact information. Florida being a no-fault state requires you to file a claim with your own insurance company regardless of whether the other driver has insurance.

In case of an accident with an uninsured driver, you should not waste any time informing your insurance company about the situation. Most uninsured motorist insurance policies require you to inform the insurer of the claim within a month of the accident. Suppose that your insurance doesn’t cover all the expenses you’ve had to incur due to the accident. In that case, there are other legal avenues that you can explore to get the compensation.

What Can You Do If Your UIM Doesn’t Cover All The Damages?

The best thing you can do if your insurance doesn’t cover all the expenses is to file a claim to seek additional compensation. If you have to go that route, it is best to work with West Palm Beach car accident lawyers to work towards getting a payout that can help you recover your out-of-pocket expenses.

Filing a lawsuit against the at-fault driver is not likely to cover all the expenses since they already don’t have insurance. An experienced car accident lawyer can help you figure out a better course of action in such a scenario. One of the options your lawyer can explore is negotiating with your insurer to get you an additional payout to help become financially whole again.

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If that does not seem possible, an attorney can investigate the wreck from all angles and potentially figure out a way to sue the vehicle manufacturer. Of course, that would require the manufacturer to be reasonably at fault for contributing to causing the accident.

And these are just two of the options that your lawyer can help you explore. Working with attorneys who specialize in personal injury law and are experienced in dealing with car accident cases with uninsured motorists can help you find ways to get the extra compensation that you might not even know exists.

The Benefits Of Hiring A Car Accident Lawyer For Your Florida Car Accident

Suppose that your car accident claim is straightforward and filing a claim with your insurance provider covers all the damages. In that case, you won’t need to work with a lawyer. However, insurance providers are notorious for trying to minimize their payouts as much as possible. After all, that is how they can make their business sustainable.

Fortunately, experienced attorneys have the in-depth knowledge and negotiation skills necessary to help you build a strong case with a greater chance for a favorable outcome. Some of the benefits of hiring West Palm Beach car accident lawyers for your case include:

  • They can negotiate a settlement on your behalf
  • They can gather the necessary evidence for your case
  • They can communicate with your insurance provider and health care providers for you
  • They can present the evidence to the insurance provider to prove your car accident claim

If you ever find yourself in an unfortunate situation where you’re involved in an accident with an uninsured driver in Florida, consider contacting Frankl Kominsky Injury Lawyers. The firm has a terrific track record for handling cases like this and can be your best bet to ensure that you can recover all the damages you have suffered in the accident.

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