Alafaya Uninsured Driver Accident Lawyer
States are responsible for implementing their own auto liability insurance standards. Florida, for instance, is a no-fault auto insurance state, which means that all motorists are required to carry minimum liability insurance policies, from which they must seek compensation for their losses in the event of an accident, regardless of who actually caused the crash. Unfortunately, despite the legal ramifications of failing to do so, an alarming number of Florida drivers fail to obtain the proper policies, which can put anyone who is injured in a collision with those individuals at serious risk of being unable to recover accident-related compensation.
Recovering compensation for medical bills, lost wages, and property damage is still possible for those who were involved in collisions with uninsured drivers, so if you were recently hurt in a car accident, you should speak with an experienced Alafaya uninsured driver accident lawyer about your options.
No-Fault Auto Insurance
In Florida, drivers are required to obtain at least $10,000 in Personal Injury Protection (PIP) insurance to cover the cost of treating physical injuries and at least $10,000 in Property Damage Liability (PDL) insurance. The former compensates injured motorists for 80 percent of their medical bills and 60 percent of their lost wages, regardless of who caused the crash. PDL insurance, on the other hand, covers any damage caused by the policyholder to someone else’s vehicle.
Under the no-fault insurance standard, car accident victims must go through their own insurers to obtain coverage for medical bills and lost wages. The only exceptions to this rule apply in cases where the injured party’s costs exceed the limits of his or her policy, or the victim’s injury qualifies as serious.
Uninsured Motorist Coverage
Despite the fact that Florida law requires all drivers to obtain auto liability insurance, approximately one-quarter of the population fails to do so. This can leave accident victims in a tough spot financially if involved in a collision with an uninsured driver. To avoid this, many motorists choose to purchase uninsured motorist policies, which specifically cover medical costs and property damage losses caused by uninsured drivers.
What to do After an Accident with an Uninsured Driver
Motorists who are involved in car accidents with uninsured drivers should be sure to call the police immediately after the crash, which ensures that an official accident report is created. Drivers who find themselves in this position should also try to gather as much information as possible from the scene of the crash, including the driver’s contact information, the names and phone numbers of any eyewitnesses, photographs of the damage, and details about the time and location of the crash. This information can later be used by insured parties who are attempting to recover compensation under their own uninsured motorist policies, or to prove fault if they attempt to hold the negligent driver personally liable in court.
Were You Injured in an Accident With an Uninsured Driver?
If you were injured in an accident with an uninsured driver, recovering compensation for your collision could be complicated. Please call Israoui Law at 407-381-4529 for advice from an experienced Alafaya uninsured driver accident lawyer.