If you or someone you love was involved in a car accident, you may not be worried right away. Since Florida requires car insurance, surely all your damages will be covered. Unfortunately, that is not always the case.
If you were involved in an accident with an uninsured motorist, you may be worried you will be stuck paying all the resulting bills on your own. Even if the other driver was uninsured, you may have legal recourse. An uninsured motorist accident lawyer in Margate, FL can help you explore your legal options.
Your Options for Recovery After a Crash With An Uninsured Motorist
By Florida law, all drivers are required to carry specific amounts of car insurance. When a driver without the required coverage takes to the road, they put everyone around them at risk.
However, you do have options when the other driver does not have coverage. We will explore the following options in our quest to recover compensation for your damages.
Your PIP Coverage
Florida law requires all drivers to maintain $10,000 personal injury protection insurance. Even if you are involved in an accident with an uninsured motorist, this coverage will pay a portion of your medical bills and property damage.
Your Uninsured Motorist Policy
In addition to your PIP coverage, you may have purchased an additional uninsured motorist policy, which may cover costs not covered by your PIP insurance. The law does not require this insurance, and the amount of coverage will vary by policy.
Your Bodily Liability Coverage
In addition to an uninsured motorist policy, you may have bodily liability coverage. This policy may pay a portion of your medical bills following an accident.
The Driver’s Employer
If the uninsured driver was working at the time of the accident, their employer might be liable for your damages. They may have other insurance policies that may cover your injuries and property damage, or we may be able to hold the business itself financially liable.
The Driver Themselves
Even if the driver does not have insurance, they may have other assets. In some cases, we may be able to pursue the driver for your damages directly.
An uninsured motorist accident lawyer in Margate, FL, will need to evaluate the details of your personal injury case to determine who can be held liable. Contact the Law Offices of Anidjar & Levine today at 1-800-747-3733 to discuss your options.
Damages You May Recover After Your Accident
After an accident, you may be facing a growing mountain of bills. The types of damages you can recover will depend upon who is liable for paying your damages and the kind of insurance coverage you have. However, we are often able to recover the following types of damages in uninsured motorist cases.
Medical bills could include emergency room care, surgeries, diagnostic tests, pain management, and rehabilitation care. Most medical bills that result from your accident can be claimed as damages.
You may be able to recover the cost of fixing or replacing your car as well as damage to other property in the vehicle at the time of the accident. For example, if your cell phone was destroyed in the accident, you may be able to recover the cost of a replacement phone.
If you are unable to work for a time after your accident, some insurance policies will pay for your lost wages. This can be limited, for example, Florida PIP coverage is only required to pay 60 % of your lost wages. Other types of insurance may pay the full cost, depending on the details of your case.
How an Uninsured Motorist Accident Lawyer Can Help
Following an accident with an uninsured motorist, you can pursue compensation for your damages on your own. However, the experience of a personal injury lawyer can be beneficial in several ways.
Investigate Your Accident
Accidents happen quickly, and it may not always be clear who is at fault or how the accident occurred. A lawyer can investigate your accident and gather evidence to prove how the accident happened and who should be held liable for your injuries.
Explore Recovery Options
Uninsured motorist accidents can be complex due to the wide range of recovery options. A lawyer can investigate all possible liable parties and pursue compensation from every potential source.
Protect Your Right to Compensation
Florida law limits the damages you can recover from your PIP coverage and lays out rules for coverage. For example, you can only recover 80% of your medical damages, even if the cost is below your $10,000 coverage. You must also report the accident within 14 days.
An uninsured motorist lawyer understands how these laws apply to your case and will protect your right to recover damages.
Fight For Your Legal Rights
In an ideal world, the insurance company or liable party would pay when they are responsible. However, this is not always the case. A lawyer can fight for your rights through negotiations or even taking your case to court.
Get Legal Help from the Law Offices of Anidjar & Levine
If you were involved in an accident with an uninsured motorist, our legal team can help you pursue damages. You may be able to recover damages from several liable parties.
Contact an uninsured motorist accident lawyer in Margate, FL today at 1-800-747-3733 to talk about your options.