If the at-fault party who caused your Naples, FL, car accident doesn’t have insurance, you still have several options for recovering compensation. You may file a personal injury protection (PIP) claim, a collision policy claim, or an uninsured motorist claim. Depending on the circumstances, you may even be able to file a personal injury lawsuit against the other driver.
Our team will help you evaluate those options and pursue the ones that make the most sense based on the specifics of your situation.
For a free legal consultation, call (800) 747-3733
Filing a PIP Claim
In Florida, every driver must carry PIP insurance at a minimum coverage amount of $10,000 under Florida Statutes §627.736. After an accident, if you suffered bodily injury, you must file a PIP claim with your own insurance company regardless of who was at fault for the accident.
Only when your insurance company has paid you up to the limit of your PIP policy can you pursue bodily injury damages from the other driver and their insurer.
If your injuries were minor and the damages likely do not exceed your PIP policy limit, we may be able to collect the bulk of the compensation to which you are entitled simply by filing a claim with your insurer.
Filing a Collision Policy Claim
Collision insurance pays for vehicle damage when you have an accident. This coverage pays to repair or replace your own vehicle, as opposed to liability insurance which pays if you are at fault in an accident that results in damage to someone else’s vehicle.
Depending on the circumstances of your accident, we may be able to file a collision claim to recover the cost of fixing or replacing your vehicle. Our lawyers will evaluate your case and determine if this is a viable option.
Filing an Uninsured Motorist Claim
If you have an uninsured motorist insurance policy, we can file a claim to cover the damages caused by the other driver.
Uninsured motorist coverage costs extra. For that reason, many drivers decline to add it to their policy. However, we have had clients whose policies included uninsured motorist coverage, and they did not even realize it.
We will examine the fine print of your policy to determine if this is an option for you.
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Filing a Personal Injury Lawsuit
If the at-fault party doesn’t have car insurance, and our investigation reveals they have assets, we could potentially sue them personally for the damages they caused. We will fight to win a judgment against them for your economic and non-economic losses. Some obligations we can handle include filing your case, presenting an argument, and establishing negligence.
Damages You could Claim after a Car Accident
The damages drivers can seek to recover after a car accident will depend on how serious their injuries and losses are. Car accidents that are serious enough to require extensive medical care and recovery time can quickly change someone’s quality of life.
After looking at the details and circumstances in your collision, we could determine that you could seek compensation for damages such as:
- Medical expenses (past, current, and future)
- Lost wages and benefits, including lost future earnings
- Property damage (car repair or car replacement)
- Other accident-related expenses, like transportation and childcare costs
- Pain and suffering
- Loss of life enjoyment
- Loss of companionship
Some of these damages, such as pain and suffering, can be challenging to prove since they are subjective and do not have an established dollar amount. Our legal team can calculate the value of those damages and let you know what they are.
There may be even other damages you could seek in your claim or lawsuit. We would be glad to look over your documentation and other records and let you know what you could request.
Our Firm is Here to Help
Getting in a car accident is stressful enough, but learning the at-fault party doesn’t have car insurance can be disheartening. Fortunately, you have several options, and our Naples car accident lawyer from the Law Offices of Anidjar & Levine can help you pursue them.
We fight for the rights of car accident victims throughout the state. We can help you collect the compensation you deserve, even if the other driver broke the law by driving without insurance. We offer a free, no-obligation case evaluation and never collect a fee until you get paid.
Call Today for a Free Case Evaluation
Generally, state law allows four years from the car accident date to seek legal action. If you miss this deadline, you could miss out on seeking the compensation you deserve. Reach out to us as soon as you can.