Auto insurance companies help to pay for damages from car accidents. But, if an uninsured motorist crashes into your vehicle and you suffer injuries and sustain severe damage to your car, who pays for your losses?
The Law Offices of Anidjar & Levine can help you pursue compensation for these and other damages, which could include medical bills, lost wages, and other losses. To learn more about how our uninsured motorist accident lawyers in Coconut Creek, FL, can help you, call 1-800-747-3733 for a free consultation.
Using Your Personal Injury Protection Insurance
Florida drivers who suffer physical injuries and other losses in a vehicle accident can use their Personal Injury Protection (PIP) insurance. The state’s no-fault insurance covers damages regardless of who is at fault for the crash.
PIP covers 80 percent of your medical bills that include hospital stays, surgeries, rehabilitation, and diagnostic tests. You can receive:
- Up to the PIP limit of $10,000 if you were injured and suffered an emergency medical condition.
- $2,500 if you did not suffer an emergency medical condition.
To access these benefits, Florida requires you to get medical care no more than 14 days after the crash. You risk losing your PIP medical benefits if you do not meet the state-imposed deadline.
PIP also covers 60 percent of your lost wages and provides up to $5,000 for funeral and burial costs if a loved one passed away in a vehicle accident.
The Law Offices of Anidjar & Levine can help you access the PIP benefits you are entitled to after an uninsured motorist accident. Call us at 1-800-747-3733 to schedule a free consultation.
Using Your Uninsured/Underinsured Motorist Insurance
You can pursue compensation for accident-related losses that go beyond your PIP limits by using your Uninsured Motorist (UM) or Underinsured Motorist (UIM) insurance policy.
UM provides coverage when a driver who does not carry auto insurance causes an accident. This insurance also covers losses from a hit-and-run accident. UIM provides coverage when a driver has auto insurance but not enough to cover damages from an accident.
UM/UIM insurance pays for such damages as your:
- Medical expenses
- Lost wages
- Pain and suffering
Since UM/UIM is optional insurance coverage, you may not have this policy. Florida does not require drivers to carry UM/UIM insurance, but auto insurance companies must offer this coverage. Policyholders who do not want UM/UIM insurance are required to reject this coverage in writing.
If you do not have UM/UIM coverage, we can speak with you about other options you may have to recover compensation from an uninsured motorist accident.
Filing a Personal Injury Lawsuit
If losses from the accident go beyond your PIP limits, you may be able to file a personal injury lawsuit against the uninsured motorist. This is most likely the case if you suffered:
- Significant and permanent loss of an important bodily function
- Permanent injury with a reasonable degree of medical probability
- Significant and permanent scarring or disfigurement
- Wrongful death
Keep in mind that even if you win the lawsuit, the driver may not be able to fully pay you for your damages. A driver who does not pay for car insurance may not be able to afford the amount awarded in a lawsuit.
If you have questions about available options to recover compensation in an uninsured motorist accident, call us today at 1-800-747-3733 to schedule a free case evaluation.
Investigating Your Uninsured Motorist Accident
To win your car accident lawsuit, you must prove that the uninsured driver caused your damages. An uninsured motorist accident lawyer in Coconut Creek, FL can help you provide proof by securing evidence that will strengthen your claim for compensation.
Our team of investigators can secure such evidence as:
- A police report
- Photographs of the accident scene
- Video footage of the accident
- Eyewitness statements
- Your medical records
We also work with experts such as accident reconstruction specialists to determine how an accident happen and which party caused the crash. We may also obtain opinions from medical professionals on how crash-related injuries affect an accident victim’s daily life.
Establishing Negligence in an Uninsured Motorist Accident
Regardless of whether the liable driver had auto insurance, to recover compensation you must establish how the driver’s negligence caused your losses. We can help you prove the following elements of negligence:
- Duty of care: the uninsured motorist owed you a duty to drive safely and not cause you harm.
- Breach of duty: the uninsured motorist violated this duty.
- Causation: the uninsured motorist’s negligence caused an accident.
- Damages: you sustained physical injuries, significant property damages, and other losses as a result of the accident.
We can establish negligence with the evidence we secured in our investigation of your accident and help you make a strong case for compensation.
Recoverable Damages in an Uninsured Motorist Accident
While each vehicle accident is different, there are some damages common to most car accidents. Some of the most common damages you can recover in an uninsured motorist accident include:
Medical expenses include hospital stays, surgeries, physical therapy, inpatient rehabilitation, and more.
Lost wages include the wages, commissions, and other income you lost because you could not work after your accident.
Pain and Suffering
Pain and suffering involves the physical pain and emotional suffering you experienced because of the accident.
To find out what type of financial and non-financial damages you may be able to recover from your accident, call us today at 1-800-747-3733.
Contact The Law Offices of Anidjar & Levine Today
You have a limited time to pursue compensation for damages from an uninsured motorist accident. The sooner you get started, the better the chance of collecting all of the evidence we will need to build a strong claim for recovering the damages to which you are entitled.
Call The Law Offices of Anidjar & Levine today at 1-800-747-3733 for your no-obligation case review. An uninsured motorist accident lawyer in Coconut Creek, FL can handle the legal process for you, so you can focus on feeling better.