What If The Other Driver Has No Accident Insurance?
Unlike most states, Florida drivers are not required to carry any liability insurance. Liability coverage pays the victim’s damages when a driver is at fault for a serious injury accident. There are millions of Florida drivers who are not insured or poorly insured for bodily injury to others.
If someone in your family is injured by an uninsured driver, your own auto insurance policy is your best hope to recover compensation. If you have uninsured/underinsured motorist coverage (UM/UIM), your insurance pays your medical bills and other damages. [The Law Offices of Gonzalez & Associates regularly handles car accidents involving uninsured and underinsured drivers. We will fight your insurance company for full compensation or pursue a lawsuit against the personal assets of the at-fault driver.
You should not absorb the losses if someone else caused the accident. Learn your rights with a free consultation at 866-626-4257.
The Dangerous Game Of Florida Car Insurance
Florida requires every driver to carry personal injury protection (PIP) and property damage liability (PDL). PIP insurance, also called no-fault insurance, covers up to $10,000 in medical care from a car accident. PDL covers up to $10,000 in vehicle damage. This insurance pays out no matter who was at fault – your policy pays your losses and the other driver’s policy pays theirs.
The system works fine for minor injuries and minor property damage. But in a serious injury crash, your losses will easily exceed the $10,000 limits. So what happens then?
- We bring a personal injury claim against the other driver’s liability policy.
- If they have no liability insurance, we bring a claim under your UM/UIM policy.
How Does Uninsured/Underinsured Motorist Work?
The following scenarios assume that you opted for UM/UIM coverage when you purchased car insurance:
- If the other driver has no bodily injury liability insurance, your uninsured motorist insurance (UM) pays your damages.
- If the other driver has liability insurance but your losses exceed their policy limits, your underinsured motorist insurance (UIM) pays the difference.
- If you were injured in a hit-and-run, you are covered the same as an uninsured motorist.
Why Do I Need A Lawyer?
Even though you paid the monthly premiums, your own insurance company may try to reject, reduce or delay your uninsured/underinsured compensation. That is where Gonzalez & Associates comes in. We have dealt with the big insurers, and we know how to make them payout. We will vigorously pursue all sources of compensation – the other driver’s insurance, your insurance, the other driver’s personal assets and third parties whose negligence contributed to the accident.
We Can Help With An Uninsured Driver Accident
We have handled thousands of car accidents across Florida, with offices in Miami, Orlando and Tampa. Call us today at 866-626-4257 or contact us online. Our skilled and compassionate team will take care of everything so you can focus on healing.
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