Just because the motorist responsible for your accident was uninsured, does not mean you cannot be compensated for your injuries and damages resulting from the collision.
An uninsured motorist lawyer in Country Club, FL at the Law Offices of Anidjar & Levine can walk you through the process of compensation in this type of case. Call us at 1-800-747-3733 for a free initial consultation.
Florida’s No-Fault Accident Laws Means You Are Partially Covered
Florida is a “no-fault” state when it comes to car accidents. In other words, motorists are covered for their accident injuries, regardless of who caused the accident, through their own insurance policies. As such, there is no reason to establish who was at fault for the accident and liable for resulting damages.
This also means that, as an accident victim, you do not have to depend on the other motorist in your accident being insured to receive compensation for your injuries and damages.
Your insurance policy more than likely includes personal injury protection (PIP) coverage. This policy will compensate you for at least some of your injuries and lost wages.
The Damages Your PIP Will Cover in Your Country Club, FL Accident
PIP can cover several damages for minor-to-moderate injuries you sustained in your Country Club, FL car accident, including the following:
- A limited amount of wages you lost if your injuries caused you to miss work
- Medical care (emergency) within PIP limits
- Medical care (non-emergency) within limits
The Other Motorist’s Liability Insurance Can Cover Serious Injuries
Sometimes an accident victim suffers injuries that qualify as serious injuries under the state’s threshold. In this case, if the at-fault motorist has liability insurance, you can file a claim for damages with his or her insurer to cover the rest of your medical damages and lost wages not covered by your PIP.
In addition, the at-fault motorist’s liability insurance will also cover the following damages:
- Your vehicle’s repair (or replacement)
- Your loss of wages and benefits–past, present, and future
- Cost of medical care you will continue to receive or will receive in the future
- Injury-related out-of-pocket expenses
Things get more complicated; however, when the at-fault motorist does not have an insurance policy. Tricky, yes, but our uninsured motorist lawyers in Country Club, FL can help you navigate this situation, too.
Option 1: File a Claim Under Your Uninsured Motorist Coverage
If you experienced a car accident with an uninsured motorist, your insurance company will cover any serious injuries you sustained under the umbrella of your uninsured motorist coverage.
You might not even realize you have this coverage, but if you are covered by a bodily injury policy, more than likely you are covered for uninsured motorists, as insurers often bundle the two types of coverage together.
Option 2: File a Personal Injury Lawsuit Against the At-Fault Motorist
Outside of the realm of insurance claim solutions, you can always pursue recovery of your damages in civil court. Such a lawsuit is your recourse when you collide with an uninsured motorist, and you do not have uninsured motorist insurance, or your expenses exceed what your insurance policy covered.
We are happy to advise you whether a personal injury lawsuit represents a viable course of action in your specific, uninsured motorist accident case. If the at-fault motorist cannot afford to cover your damages out-of-pocket, this approach may lead to a dead-end road—meaning, you could win the lawsuit, but not get paid.
Call us today at 1-800-747-3733 for a free review of your case. An uninsured motorist accident lawyer in Country Club, FL will point you in the right direction toward compensation.
Proving Negligence if You File a Personal Injury Lawsuit
If you decide it best to file a personal injury lawsuit for your uninsured motorist accident, we can take care of proving negligence. Without this proof, your case will go nowhere.
The tenets of proving negligence are as follows:
- Identify that the other motorist had a responsibility to drive reasonably to keep you and other motorists free from danger.
- Prove that the driver failed to fulfill this obligation.
- Prove that this negligence to drive reasonably caused the accident.
- Prove that the resulting accident caused your physical injuries and/or other economic and non-economic damages.
Evidence We Will Use to Support Our Negligence Statement
Our legal team will tap many sources to extract compelling evidence that proves our negligence claims. Examples of these sources include:
- Crash reports from the investigating law enforcement officer
- The evidence we collect and document from the accident scene
- Eyewitness accounts
- Report from an accident reconstruction specialist
- Written opinions from medical, economic, vocational, and life planning experts
- Photos and videos
- Medical reports
- Wage statements from your employer
Time Constraints You Should Know About
Although you do have options you can explore for recovering damages in your uninsured motorist accident; you do not have unlimited time to decide your course and take action.
Florida’s statute of limitations starts the clock on the date of your accident. From this date, you have four years in which to take legal action. Very possibly, the insurance companies will require a much swifter filing of your claim—maybe even requiring that you file within weeks of your crash.
The legal team at the Law Offices of Anidjar & Levine know all the deadlines and other administrative details that can derail your case if not adhered to. We also know the various loopholes that insurance companies pursue to avoid paying out on a claim.
Call our office today to discuss your uninsured motorist accident case, free of charge.
Our Uninsured Motorist Accident Lawyers Can Help You Get Compensated
The Law Offices of Anidjar & Levine stands ready to take your case and relieve your financial concerns following your uninsured motorist accident. We firmly believe that when a person causes injury, he or she must be held accountable for his or her actions.
The fact that the at-fault motorist in your case does not carry insurance will not get in our way for recovering your damages.
Call our office today to schedule your free initial consultation: 1-800-747-3733.
We Can Help.