Unfortunately, a large percentage of drivers in the Sunshine State do not have insurance. If you have been injured in a car accident and the at-fault driver is uninsured, you may wonder what you can do to recover compensation for the damages you have wrongly endured. Please continue reading and contact our skilled Manatee County Car Accident Lawyers to learn how we can help you navigate your legal options.
What is Uninsured Motorist Coverage?
If you are a Florida resident, to legally drive in the state, you must purchase Personal Injury Protection (PIP) coverage and Property Damage Liability (PDL) insurance. The state of Florida requires drivers to carry $10,000 in PDL insurance and $10,000 in PIP insurance. PDL covers repairs or the replacement of property damaged in an accident. PIP insurance is intended to cover your medical bills and lost wages. It is important to understand that if you have the bare minimum insurance required by Florida law and you are seriously injured and the at-fault party also has the minimum required insurance or no insurance, you will face a significant financial burden as you will have to pay out of pocket for your medical bills and other incurred damages. Although these are the only required types of auto insurance, drivers can benefit from adding optional coverages.
While you may not need to carry uninsured motorist (UM) coverage, this auto insurance can protect you if you are involved in an accident with an uninsured or underinsured driver. This coverage can help pay for your medical expenses, lost wages, and other damages. UM coverage can be vital in protecting injured parties from financial ruin if they are seriously injured as a result of the negligence of an insured or underinsured driver.
Can I Pursue Legal Action Against a Driver Who Hit Me With No Insurance?
Generally speaking, you can pursue legal action against an uninsured driver who hit you. When this is the case, the driver is personally responsible for your injuries. However, they may not have the assets to fully cover the damages you have endured. If you wish to seek compensation for uncovered expenses, you should consider filing a personal injury lawsuit against the at-fault party. With the help of an experienced attorney, you can prove their liability for your damages.
Although it is not required that you have legal representation, it can maximize your chances of achieving favorable results. At Becker & Lindauer, LLC, we are prepared to help you fight for the compensation you deserve. Connect with us today to learn more about how we can assist you in attaining justice.
