The Florida Highway Safety and Motor Vehicles reported over 400,000 car accident in 2018. If you were hit by a driver in Fort Lauderdale or Miami who had no car insurance, you may be rightfully worried about how you will collect compensation for your injuries and property damage. A car accident can leave you with oppressive medical bills and rob you of earnings at work, not to mention the physical and emotional pain it can cause. Learning that the other driver did not have a valid insurance policy can compound the stress.
At the Law Offices of Anidjar & Levine, we help South Florida clients collect compensation for their car accident injuries, even if the at-fault party doesn’t have car insurance. We can help you pursue a number of options when it comes to collecting compensation after a car crash with an uninsured driver. Our firm offers a free case evaluation, and we never collect a fee until you recover money. To speak with a member of our team today, call us at 1-800-747-3733.
How to Recover Compensation from an Uninsured Driver
If you were hit by an at-fault party who doesn’t have car insurance, you are probably worried about how you will recover compensation to pay for your injuries and property damage. Do not worry—you have several options. A Fort Lauderdale car accident lawyer from the Law Offices of Anidjar & Levine can help you determine which of these options are the best to pursue. They include:
Filing a PIP Claim
Florida law requires every driver to carry personal injury protection (PIP) insurance, with a minimum coverage of at least $10,000. When you are injured in a car accident, you must first file a claim with your PIP policy, regardless of who was at fault or whether the other driver had insurance.
If your injuries are minor and your total economic damages come to less than $10,000, you may be able to recover full compensation from your PIP policy and not be affected by the other driver’s lack of insurance. Since you are still eligible to recover noneconomic damages, however, such as pain and suffering, your lawyer can help you file a claim against the other driver for that money.
Collecting on Your Policy’s Collision Coverage
Aside from PIP, a typical car insurance policy has three levels of coverage: liability, collision, and comprehensive. Liability pays for damages you cause when you are at fault in an accident. Collision pays for damage to your own vehicle, typically when you are at fault in an accident. And comprehensive covers damages caused by scenarios other than accidents—a tree falling onto your car, for instance.
In some cases, we can file a collision claim to pay for the damages to your vehicle when the other driver was uninsured. Our attorneys will evaluate your situation and let you know if this is an option.
Filing an Uninsured Motorist Claim
Uninsured motorist coverage is an enhanced level of car insurance that many drivers elect to purchase for an additional monthly premium. It does exactly what it says—pays for damages caused by an uninsured driver. If your policy includes uninsured motorist, we will help you file a claim and collect the full slate of damages you deserve.
Suing the Driver Who Hit You Personally
We can also file a lawsuit against the driver who hit you. Many uninsured South Florida drivers have no money to pay you, even if you win a judgment against them. But we may be able to get liens put on their personal property so that any future money they receive gets redirected to you.
For a free, no-obligation case evaluation with a member of the team at the Law Offices of Anidjar & Levine, call 1-800-747-3733 today.