If the other driver has insurance, you could file a claim against you for your medical bills and more. Uninsured motorists can sue the other driver with a personal injury lawsuit, since Florida is a no-fault state. In Florida, your injuries will first be covered by your PIP insurance. 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, there's a good chance that they don't have the money to pay a claim. One option for those unable to pay a claim is a payment schedule so that the defendant does not have financial difficulties. There are many reasons for this, such as the other driver being from another state, not being able to afford basic insurance, or not buying insurance because he doesn't see the point.
It's important to note that the uninsured driver in an accident may also face additional difficulties. It's surprisingly common for drivers to fail to buy car insurance because of negligence or because they can't save money for monthly payments. It may also be a good idea to think about suing your own insurance company if it refuses to pay despite having coverage for uninsured drivers. This additional insurance coverage basically replaces the uninsured or underinsured motorist's lack of insurance.
If the other driver is at fault, that driver's insurance company will cover the remaining 20 percent. You can also try to get the state to suspend the uninsured driver's license until the negotiated agreement is fully paid. High-quality legal advice and guidance is essential for people involved in car accidents involving uninsured drivers. You don't have to accept that an uninsured driver causes an accident that causes you physical harm, expensive medical bills, and the loss of your job.
If you want to recover damages suffered after an uninsured driver crashed into your vehicle, your best option is to seek compensation from your insurance company based on your individual policy of coverage for uninsured drivers. However, you should consider whether the uninsured driver who caused the accident is solvent enough to pay for the damages. Because of the large number of uninsured motorists on Florida's roads, it's very important to take some steps to increase your protection against accidents involving uninsured drivers. In Florida, most of us have the option of taking out insurance for uninsured or underinsured drivers, which can protect us from having to pay out of pocket for damage caused by an accident.
Even though the uninsured driver argues that he didn't comply with the law and didn't get car insurance, he may still have options for obtaining compensation after an accident. Whatever the reason, if a driver without liability coverage crashes into your car in Florida, it can cause you a lot of headaches, especially since Florida is a “no-fault” state and your options to request payment from the other driver are limited, except in certain extreme cases. Once you buy your policy, you must inform the insurance company that you had an uninsured accident.
