Florida Personal Injury – What the at-fault driver says he is uninsured?
Uninsured drivers on the road are an unfortunate but inevitable risk. So, what if you’re injured in an accident by one of these irresponsible individuals? This guide will explain your options and how to prepare for this situation.
Are they telling the truth?The first thing to determine is if the driver is telling the truth. They may try to claim that they have no insurance in order to leave the scene of the accident without properly identifying themselves. Make sure you get all of their information available. There are other possibilities as well. The driver may be uninsured, but the car itself could be insured. It could be a friend's car, or if they were in the course of employment, a claim can be made against the company or employer.
Are there any other factors?The best protection against a situation like this is the optional Uninsured/Underinsured Motorist (UM) coverage offered by your insurance company. In Florida, the only requirements are Personal Injury Protection (PIP) and Property Damage (PD) coverages, and these can fall short of covering your costs if the accident is serious. However, UM coverages will protect you in this exact situation when the at-fault driver really has no protection at all whatsoever. In addition, there could be other factors in play. Another driver might have been passively involved (like swerving or driving recklessly but not actually in the accident) or a road sign was down that would have prevented the accident.
Hire a personal injury attorneyBeing involved in an accident is complicated, especially when the other driver claims to be uninsured. Hiring a knowledgeable personal injury attorney can save you time, money, and give you peace of mind. The right lawyer will sift through all of the possibilities discussed in this guide and set you on the best path towards recovery and compensation for your loss. Good luck.