How Do I Handle a Car Accident With an Uninsured or Underinsured Driver?

This is where you should consider contacting a Tampa car accident lawyer. Uninsured drivers bring an exceptionally 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 everything documented properly.

Here’s the reality. If you’re in an accident and the other (at-fault) driver does not have sufficient 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 insurance policy. Uninsured/Underinsured (UM) coverage is not required in Florida, but, we always recommend carrying as much insurance as you can afford. UM is an important factor when you’re injured by an uninsured or underinsured driver. This is another area where a lawyer can help you navigate the situation with your own insurance company and fight for appropriate compensation from your own coverage.

Contact us today to discuss your options if you need help after an accident with an uninsured driver.