Car accidents are dangerous, scary, and inconvenient. This is even truer if you have been in an accident with an uninsured motorist. Florida is a “no-fault” state. This means that you first look to your own insurance company to pay for damages and injuries in the event of an accident. This is the case no matter who is at fault. However, if your damages/injuries exceed the coverage that your insurance offers, accident victims usually file a claim against the insurance of the other motorists involved or take them to court and pursue a personal injury lawsuit. If you get into an accident with an uninsured motorist, you can still be compensated for your injuries. In most cases, you will have to go through your own insurance company and/or take that uninsured motorist to court. Pursuing either of these options alone can be difficult. Working with a proven personal injury attorney can help to ensure that you get the compensation that you deserve. Give the experienced lawyers at Jugo & Murphy a call to schedule your free consultation today.
Penalties For Driving Without Insurance in Florida
Just like most other states, Florida has harsh penalties for uninsured motorists. Driving without insurance is a public health concern that can cause major problems for you as well as others on the road if you get into an accident. This is true whether the accident is your fault or not. Penalties can include (but not limited to) license suspension and significant fees. Furthermore, if you cause an accident as an uninsured motorist, you risk having to pay out of pocket for the injuries/damages that you have suffered as well as the damages/injuries incurred by other motorists involved.
What to do if You Have Been Injured by an Uninsured Motorist
If you have been injured by an uninsured motorist in an accident, it is important that you take the appropriate steps to give yourself the best opportunity of being compensated by your own insurance as well as through a potential personal injury suit against the uninsured motorist. Learn more about the steps to take after an accident has occurred below.
- Move to a Safe Area: Be sure to remove yourself from the way of harm (if possible).
- Stay at the Scene: You have a legal duty to ensure that you stay at the scened of the accident. Check on others involved.
- Contact the Police: When the police arrive, give them statements of fact. Never admit fault. This is true even if you believe that you deserve some of the blame.
- Exchange Information: Get the other driver’s contact information, license plate number, etc. Ask for insurance information, if they are an uninsured motorist, take note of this.
- Collect Evidence: Take pictures, video, and take note of the driving conditions and reasons for the accident. Also, identify eyewitnesses if possible.
- Seek Medical Attention: Get help from a medical professional even if you do not feel the immediate effects of being injured. In many cases, injuries can take hours or days to reveal themselves.
- Contact an Attorney: Your lawyer will understand what steps you should take and how to pursue damages in the event that you have been injured by an uninsured motorist.
Can You Still Be Compensated For injuries?
Yes, you can still be compensated for injuries and damages that have occurred as a result of an accident with an uninsured motorist. This is not always an easy process. You will first look to your own insurance to compensate you. However, some insurance companies can make it difficult for you to receive compensation. This is why it is important to choose your words wisely when speaking with your insurance company on the phone as they can sometimes be used to deny your claim for compensation under your uninsured/underinsured accident policy. Furthermore, sometimes your insurance policy is not enough to take care of your expenses alone and it is necessary to take the uninsured motorist to court. A seasoned attorney will have the experience to identify cases that are worth taking to court as well as the best strategy to improve your chances of being compensated. Getting into an accident with an uninsured motorist can be particularly devastating if you have sustained serious injuries. You do not have to fight this battle alone. Contact our aggressive personal injury attorneys at Jugo & Murphy to schedule your free consultation today.