What to Do When You're Hit by an Uninsured Driver in Florida

Personal Injury Protection (PIP) is a must for all drivers in Florida, and it can provide you with compensation after a car accident involving an uninsured driver. According to Florida law, those seeking compensation through their PIP insurance policies must receive medical care within 14 days of the accident. Your PIP insurance will cover your injuries first, and if the other party is uninsured or underinsured, you can file a claim with your insurance. If your own car insurance denies a claim after being hit by an uninsured or underinsured driver in Florida, you may have to file a lawsuit to get the compensation you deserve.

Unfortunately, if the driver who caused the accident doesn't have car insurance, they may not have the money to pay a claim. One option for those who cannot afford a claim is a payment schedule so that the defendant does not suffer financial hardship. You don't have to accept that an uninsured driver will cause an accident that causes physical harm, expensive medical bills, and the loss of work. Florida law entitles you to compensation for your losses.

When an at-fault driver doesn't have car insurance, they may need to file a lawsuit to recover their losses. A personal injury lawyer can do this on your behalf. Florida courts will follow the comparative fault rule, under Florida Statute 768.81, to determine liability. You can also try to get the state to suspend the uninsured driver's license until the negotiated settlement is fully paid.

Even more unfortunate is an accident in which the other driver is uninsured or underinsured. If you've been involved in an accident with an uninsured driver and you're worried that you won't receive full compensation for your damages, don't hesitate to contact an experienced personal injury lawyer who can tell you if you have a valid claim during your free consultation. Most Florida insurance companies offer drivers additional car insurance coverage to address the problem of uninsured drivers. Florida has the highest number of uninsured drivers in the country, with about 26.7% of them uninsured.

However, in the case of more serious accidents, even a driver with the full amount of coverage may not have enough to cover all of their expenses. We have worked with many people who have been involved in an accident with an uninsured driver to reach a fair settlement. Take the time to review your specific car insurance policy and determine if you have car insurance that will protect you after an accident with an uninsured driver. However, you should consider whether the uninsured motorist who caused the accident is creditworthy enough to pay for the damages.

If the other driver is at fault, that driver's insurance company will cover the remaining 20 percent. The Law Offices of Matthew Konecky handle uninsured or underinsured car accident cases throughout Palm Beach County, Palm Beach, West Palm Beach, Wellington, Boca Raton, Jupiter, Boynton Beach, Delray Beach, Loxahatchee, Royal Palm Beach, Riviera Beach, Lake Worth, Greenacres and all of Broward County. Don't talk to an insurance agent who calls on behalf of the other driver without talking to us first.

Carl Somilleda
Carl Somilleda

General beer ninja. Hardcore social media guru. Devoted beer guru. Hardcore beer geek. Hipster-friendly web aficionado.