In Florida, if you cause a car accident with injuries while you do not have insurance, the Department of Highway Safety and Motor Vehicles (DHSMV) can suspend your driver’s license, vehicle registration, license plate, and tags. If no injuries resulted from the accident, even if it was your fault, you may be able to keep your license and car registration if you provide DHSMV with proof that you have since bought the required insurance.
You will also be financially responsible for other parties’ damages if you caused the accident. If you did not cause the accident and suffered injuries, you may pursue compensation from the at-fault driver, even if you do not have insurance. The lawyers at Anidjar & Levine can help you pursue a claim against the responsible driver’s insurance company. Call us today for a free consultation at 800-747-3733.
Can I Get Compensation Even If I Have No Insurance?
If you get into a car accident without insurance, your responsibilities will depend on who was at fault for the accident, and whether anyone sustained bodily injury as a result.
If no one sustained physical injuries in the accident, it falls under Florida’s no-fault laws. This means that each driver must seek compensation for damages from their respective insurance company. Consequently, as you had no insurance, you must pay out of pocket to repair your vehicle.
If bodily injuries did occur and if you caused the accident, you are liable to compensate the other parties for their physical injuries and vehicle damage. Once you compensate them, you will obtain a signed form, releasing you from any further liability. If you cannot afford to pay each person in full, you can try to establish a payment plan.
If someone else caused the accident, however, you can likely pursue compensation for injuries and damages from the at-fault party’s insurance company. Anidjar & Levine helps people hurt in accidents caused by other drivers. To discuss your case and how to get compensation, call us at 800-747-3733.
Can I Purchase Car Insurance After a Crash?
You can and should purchase car insurance immediately after a crash. When you purchase your insurance policy, you must inform the insurance company that you had an uninsured crash and request that they issue you an SR-22 certificate of liability. You must provide this to DHSMV for three years after you have a car accident without insurance.
What Are the Consequences for Uninsured Drivers With the Florida DMV Following an Accident?
The DHSMV will suspend your driver’s license if you have an accident while you are uninsured, as well as your vehicle registration, plate, and tags unless you meet their requirements by a deadline they specify.
The DHSMV enforces insurance laws through their Bureau of Motorist Compliance (BMC). This agency deals with uninsured drivers who have accidents. If the other driver(s) involved in the accident pursue(s) legal action against you – and obtain a judgment against you for damages – the BMC can suspend your license for as long as 20 years, or until you satisfy the judgment by paying the damages.
To avoid this fate, you must forward your SR-22 to the BMC or your local DHSMV office by their deadline, along with the liability releases you obtained from each person involved in the accident.
How Can a Florida Car Accident Lawyer Help You?
Anidjar & Levine can negotiate a settlement from an at-fault driver’s insurance company. Schedule a complimentary consultation with a Florida car accident lawyer at the Law Firm of Anidjar & Levine to learn more. Call us today 800-747-3733.