If you get into a car accident involving a motorist without insurance, you are still entitled to compensation. You may obtain a financial recovery through:
- Your regular insurance coverage
- Uninsured motorist coverage, which Florida Statutes § 627.727 requires every auto insurance company to offer policyholders
- Underinsured motorist coverage, which may also be part of your auto insurance policy
- A lawsuit against the uninsured motorist or other liable parties
If a motorist lacks insurance, you cannot pursue compensation through their insurance policy. However, the at-fault driver may still pay for your damages if you file a lawsuit.
How does a Lawyer Decide Whether to Seek Insurance Coverage or File a Lawsuit?
For clients harmed by an uninsured motorist, we complete a comprehensive review of their case. We will answer your questions and explain how you may pursue compensation for accident-related damages.
Whether we file an insurance claim or a lawsuit may generally depend on:
- Whether you have uninsured or underinsured motorist coverage
- What your coverage limits are
- How your coverage limits compare with your losses
If uninsured or underinsured motorist coverage does not adequately cover your accident-related losses, filing a lawsuit may be a more appropriate strategy.
What Losses May an Uninsured Motorist Have to Cover?
An uninsured motorist may have to cover any loss resulting from your accident. Assuming the uninsured motorist is entirely at fault for your accident, they may have total financial responsibility for injuries, expenses, and other losses they’ve caused.
Some losses that may entitle you to compensation are:
- Vehicle damage: Florida is a no-fault state in terms of insurance, and your insurer may cover property damage if you have collision insurance. However, you may also be able to sue the at-fault motorist for any vehicle damage that exceeds your coverage limits.
- Lost wages: Any wages you lose because of accident-related injuries may entitle you to an award. You may also seek compensation for missed bonus and promotion opportunities, lost benefits, diminished earning power, and any other accident-related professional damages.
- Pain and suffering: An accident attorney from our team will consider the nature and cost of your pain and suffering. Your pain and suffering may include traumatic memories, psychological conditions, post-traumatic stress disorder (PTSD), bodily injury, and other forms of harm.
- Healthcare costs: Medical expenses related to your accident may total thousands of dollars. You may receive full medical care coverage through your lawsuit or your own insurance coverage.
Did your loved one pass away because of a car accident with an uninsured motorist? You may receive other forms of compensation. Funeral costs, the deceased’s pain and suffering, lost spousal support, lost parental guidance, and lost financial support may be part of any wrongful death lawsuit you pursue.
Why Florida’s No-Fault Status May Matter for You
Florida Statute § 627.7407 details the state’s No-Fault Law. This law requires motorists to carry certain insurance coverages, including at least $10,000 for personal injury protection (PIP) and property damage.
Florida requires a motorist’s own insurance provider to pay for losses up to their policy’s coverage limits. Therefore, even if an at-fault driver lacks insurance, your insurance may cover most or all of your damages.
When your insurance coverage is insufficient to cover your losses, we will consider other actions. We may file a lawsuit to pursue fair compensation from the liable motorist.
To consult with an experienced car accidents lawyer today
855-780-9986
How Can a Personal Injury Attorney Help After Your Accident?
Hiring a capable lawyer should be a priority if you get into a car accident with an uninsured driver. A lawyer from our team can be helpful because:
- We understand both insurance claims and lawsuits and can explain your legal and non-legal options for seeking compensation
- We have extensive experience handling uninsured motorist cases, giving us insight into insurance laws, legal strategies, and other considerations common in uninsured accident cases
- We will handle every step of your case, from the initial consultation to the completion of a claim or lawsuit
Choosing to hire a lawyer means putting your health first. While our firm completes every step of your case, you can receive treatment, rest, and recover.
What Can a Lawyer Do for You?
Car accident cases take time to resolve. Our firm will oversee your case until it’s complete.
Some of the duties we generally complete for car accident victims are:
- Assistance with case-related appointments
- Defense of your rights
- Collection of evidence
- Documentation of your damages
- Valuation of your damages
- Collaboration with experts
- Witness interviews
- Completion of case-related paperwork
- Management of case-related communications
We will deal with insurance companies for you. If attorneys become involved with your case, we will also deal with them.
The American Bar Association (ABA) explains that personal injury cases generally settle (rather than going to trial). A settlement may provide an acceptable outcome for every party involved in your case.
What does It Cost to Hire Our Firm?
Your out-of-pocket cost to hire our firm is zero. Our firm receives a percentage of your settlement, judgment, or insurance recovery. If we do not win, you owe us nothing.
Never Let an Uninsured Motorist Off the Hook
Florida ranks among the states with the most uninsured motorists, and the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) found that more than 6% of drivers in Florida lacked insurance in 2023. When these motorists cause an accident, they must be financially responsible for their negligence.
There are many excuses for lacking insurance, whether it’s due to a license suspension, financial difficulties, forgetfulness, or hardship in one’s personal life. However, none of these excuses absolve a motorist of their careless decision to drive uninsured.
An attorney from our firm will pursue the entire financial recovery you deserve, and we’ll file a lawsuit against the liable motorist if necessary.
Call Bogin, Munns & Munns Today for a Free Consultation About Your Car Accident Case
Florida’s statute of limitations may determine how long we must file your case. You should not wait before contacting our team. If the deadline for your case expires, we may not be able to pursue the compensation that you otherwise deserve.
Call Bogin, Munns & Munns today for your free consultation.
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