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 (888) 330-5574.

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?

1. We bring a personal injury claim against the other driver’s liability policy.
2. If they have no liability insurance, we bring a claim under your UM/UIM policy.