What Happens If the Orlando At-Fault Party Does Not Have Car Insurance? You may need to pursue compensation through a personal injury lawsuit if the person who caused your accident and injuries does not have insurance.

If an at-fault party in your Orlando-area car accident does not have car insurance, then you may have to sue them to recover any compensation that they may owe you. Per the Florida Department of Highway Safety and Motor Vehicles (FLHSMV), the state of Florida requires motorists to have:

  • At least $10,000 worth of personal injury protection (PIP) insurance, which Allstate explains pays for your own and any passengers’ medical expenses for an accident
  • At least $10,000 in property damage liability (PDL) insurance, which may help cover damage to others’ vehicles in an accident

Ridesharing vehicles and taxis could require an even greater amount of coverage. Failure by an at-fault party to maintain minimum insurance could prevent you from receiving one or more types of compensation, and may be a form of negligence in and of itself.

A Lawsuit May Be an Option for Recovering Compensation for an Accident

Even in accidents where the at-fault party has active insurance, you could find that a lawsuit is necessary to cover the totality of your losses. Such losses could include:

  • The direct financial impact of an injury, which could include already-accrued medical costs and additional costs that you may accumulate in the future
  • Secondary impacts of your injuries, which could include lost income, diminished earning power, and permanent disability
  • Harm to your mental and physical health caused by your accident and injuries, which may be generally referred to as “pain and suffering”

These are broad categorizations of potential losses, and you may have suffered (and could suffer in the future) additional losses beyond these. While insurance may only cover specific, tangible expenses that you have accrued to date, a lawsuit may have a broader scope which may result in a more desirable compensation package for you.

Driving without Insurance May Indicate Recklessness

A motorist who drives their vehicle without active insurance may be prone to make other reckless decisions. While the fact that they were driving without insurance could be grounds for you to bring a lawsuit, it may not be the only reason for you to do so.

Other negligent motorist behaviors that may entitle you to collect compensation include:

  • Driving while under the influence of drugs or alcohol
  • Traveling faster than the posted speed limit
  • Driving too closely to your vehicle, whether from the rear or on the sides
  • Being distracted while driving
  • Not having legally required safety equipment, including but not limited to headlights, brake lights, and side mirrors

If these or any other potentially negligent factors may have put you at danger of being in an accident, and you did become the victim of such an accident, your lawyer may cite them as part of any lawsuit that you pursue.

Call the Law Offices of Anidjar & Levine Today

A lawyer could lead your lawsuit if an at-fault party in your Orlando car accident does not have insurance. Even if the person or people who caused your accident are insured, there are numerous reasons why a lawsuit may be a viable option for you. Call our team at the Law Offices of Anidjar & Levine today at 1-407-500-4000 for a free consultation.