Hit by an Uninsured Driver in Florida: What Now?
Getting into a car accident is stressful enough, but finding out the other driver is uninsured adds a new layer of frustration. Unfortunately, accidents with uninsured drivers in Florida are more common than many people realize. Knowing what to do after such a crash can help you protect your rights and avoid unnecessary financial strain.
If you were injured, speaking with an experienced Tampa car accident lawyer can make a significant difference in your recovery process.
How Common Are Uninsured Drivers in Florida?
Florida consistently ranks among the top states for uninsured motorists. According to recent studies, roughly 20% of Florida drivers have no insurance coverage at all. Since Florida is a no-fault state, drivers are required to carry Personal Injury Protection insurance, but PIP only covers a portion of medical expenses and lost wages, not all of your damages.
When you’re hit by an uninsured driver, you could be left facing unexpected medical bills, car repair costs, and other losses without the typical safety net of the at-fault driver’s insurance.
After an accident with an uninsured driver, it’s important to take quick and careful action:
- Call the police: Always report the accident and make sure an official report is filed, even if the other driver asks you not to.
- Gather evidence: Take pictures or videos of the vehicles and the accident scene, as well as any observable injuries. Collect witness information if possible.
- Seek medical care: Even if you feel fine, visit a doctor to document any injuries.
Your health and safety are the top priority. Proper documentation will also be essential if you need to file a claim under your insurance.
Exploring Your Insurance Options
If the at-fault driver has no insurance, your next step usually involves your coverage. Options may include:
- PIP insurance: Covers a portion of your medical bills and lost wages, up to your policy limits.
- Uninsured Motorist coverage: If you purchased UM coverage, it can compensate you for injuries, lost wages, and pain and suffering caused by an uninsured driver.
- Collision coverage: This can help pay for damage to your vehicle, even if the other driver has no insurance.
Reviewing your insurance policy and understanding what coverage you have is crucial after an accident with an uninsured driver.
When to Contact a Tampa Car Accident Lawyer
Navigating accidents with uninsured drivers in Florida can be overwhelming, especially if your insurance company is slow to pay or denies your claim. A knowledgeable Tampa car accident lawyer can investigate the accident and gather crucial evidence, communicate directly with your insurance company on your behalf, help you pursue the maximum compensation available under your policy, and explore additional legal options if necessary
Dealing with insurance companies on your own can be frustrating. Having a skilled advocate in your corner can make the process smoother and help ensure you get the financial support you deserve.
Contact Fulgencio Law After an Uninsured Driver Accident
Don’t let an uninsured driver’s negligence ruin your future. If you or a loved one were hurt in an accident caused by an uninsured driver, Fulgencio Law is ready to fight for you. Call (813) 463-0123 today to schedule a free consultation with an experienced Tampa car accident lawyer and learn how we can help protect your rights.
