The company may decide to sue the uninsured driver at fault to recover their claim, but their own collision or uninsured motorist insurance is often the best way to cover their expenses. In Florida, your PIP insurance will cover your injuries first. 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 they won't have the money to pay a claim. One option for those who cannot afford a claim is a payment schedule so that the defendant does not suffer financial hardship. Because Florida is a no-fault insurance state, all resident drivers must have car insurance under state law. This way, each driver can cover their own medical and property damage costs with their policy.
Even more unfortunate is an accident in which the other driver is uninsured or underinsured. The state of Florida requires severe penalties for driving without adequate insurance. Unfortunately, that doesn't stop many people from allowing their insurance coverage to expire. SmartFinancial Insurance is a digital insurance comparison engine that offers real-time insurance rates and services in all 50 states through its relationships with airlines and partner agencies.
Collision coverage pays for car damage regardless of who was responsible for the car accident, including an accident with an uninsured driver. Insurance companies can then request reimbursement from the responsible uninsured driver when they file a claim with a party. After resolving your claim, your insurance company can request reimbursement from the responsible uninsured driver. According to the Insurance Information Institute, 20.4% of Florida motorists drive without any type of car insurance.
If you have unpaid losses and damages due to an uninsured driver, contact Tragos, Sartes & Tragos, for help protecting your rights. For example, a driver who can't afford car insurance is unlikely to have the resources to pay for a court settlement. High quality legal advice and guidance are a must for people who are part of car accidents involving uninsured motorists. In the context of a car accident in which you were not at fault, the at-fault driver's insurance company is required to pay your medical bills and the costs of repairing the car.
It can make your heart sink after a car accident only to hear the other party reveal a total lack of car insurance coverage. The driver's PIP covers the injury costs of all people inside their vehicle after an accident occurs, and the PDL covers the cost of the driver's own vehicle. However, if the driver wasn't insured, your insurance company would pay for your losses (if you purchased the right types of coverage). Drivers who have an accident with an uninsured driver should follow the same steps as in any other car accident.
