Getting in a car accident is stressful enough, but learning the at-fault party doesn’t have car insurance can push you over the edge. Without an insurance company to file a claim against, how will you get paid for your medical bills, lost wages, reduced earning capacity, pain and suffering, and the litany of other damages the other driver caused with their negligent behavior? Fortunately, you have several options, and a Naples car accident lawyer from the Law Offices of Anidjar & Levine can help you pursue them.
At the Law Offices of Anidjar & Levine, we fight for the rights of Naples car accident victims. We can help you collect the compensation you deserve, even if the other driver was breaking the law by driving without insurance. We offer a free, no-obligation case evaluation and never collect a fee until you get paid. To speak with a member of our team today, call us at 1-800-747-3733.
For a free legal consultation, call (800) 747-3733
Getting Paid After a Car Accident With an Uninsured Driver
If the driver who caused your accident lacked car insurance, you still have several options for recovering compensation. The Law Offices of Anidjar & Levine will help you evaluate those options and pursue the ones that make the most sense based on the specifics of your situation.
Filing a PIP Claim
In Florida, every driver must carry personal injury protection (PIP) insurance at a minimum coverage amount of $10,000 under FL § 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 own 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. A lawyer from the Law Offices of Anidjar & Levine will evaluate your case and determine if this is a viable option.
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Filing an Uninsured Motorist Claim
If you have an uninsured motorist rider on your car insurance policy, we can file a claim against it to cover the damages caused by the other driver. Uninsured motorist costs extra, and for that reason, many drivers decline to add it to their policy. However, we have had clients whose policies included uninsured motorist 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.
The Law Offices of Anidjar and Levine Can Help
If the at-fault party doesn’t have car insurance and our investigation reveals that they have assets, we can potentially sue them personally for the damages they caused. We will fight to win a judgment against them for your economic and noneconomic losses and for that judgment to be enforced aggressively.