How do I Handle a Car Accident With an Uninsured or Underinsured driver?

This is an area where you should contact a St Petersburg car accident lawyer. Uninsured drivers bring an entirely unique situation to the parties involved. If you’re involved in a car accident in Florida and the at-fault driver lacks sufficient insurance, it’s crucial to understand your options for seeking compensation and protecting your rights. Remember, it’s not your responsibility to “protect” the other uninsured driver if they were at fault. Get the police involved and get things documented properly.

Here’s the real truth, if you’re in a car accident and the other (at-fault) driver does not have insurance, you may not receive any compensation. If you have a Florida auto insurance policy, you will still have $10,000 in PIP coverage to seek medical treatment. While victims may choose to personally sue the other driver or owner of the vehicle, it oftentimes is difficult to actually collect a judgment. However, if you have chosen to pay for Uninsured/Underinsured Motorist coverage (UM), you may be able to pursue compensation against your own policy. Uninsured/Underinsured (UM) coverage is not required in Florida, however, we always recommend carrying as much as you can afford. UM comes into play when you’re injured by an uninsured or underinsured driver. This is another area where a St. Petersburg lawyer can help you navigate the situation with your own insurance company and fight for compensation from your own coverage.

Should I file a claim after a car accident in St. Petersburg?

Yes, if you suffered any injury or property damage, filing a claim protects your legal rights. The most common reason people file is to cover obvious medical bills, but there are many other recoverable losses, including lost wages, future medical care, and pain and suffering. Florida's no-fault system requires you to first file a PIP claim with your own insurer, and if your injuries are serious... read more?

How can a car accident lawyer help me, and is it necessary?

Experienced St. Petersburg injury attorneys know the tactics insurance companies use to minimize payouts, even when there is substantial coverage. A quality attorney navigates the laws surrounding settlement negotiations, handles the paperwork and deadlines, gathers evidence, and stands up to the insurance company on your behalf. While you are not legally required to hire an attorney,... read more?

What factors can impact my car accident claim in St. Petersburg?

One of the most important services our St. Pete car accident lawyers provide is a meticulous understanding of what Florida law permits in a claim. Factors that influence how much you may recover include the available limits of your own policy and the at-fault party's policy, the severity and permanency of your injuries, your total medical expenses and lost wages, the strength of the liability... read more?