West Palm Beach Uninsured Driver Accident Lawyer
If you own a vehicle in the state of Florida, you are required under law to carry motor vehicle insurance to protect yourself in the event of injury, and pay for damage caused to others’ vehicles in the event that you cause an accident.
Unfortunately, not everyone follows the law, and instead some choose to operate their motor vehicles without insurance. If you are involved in an accident with an uninsured motorist in West Palm Beach or surrounding areas, you may be wondering how you will get paid for your injuries. The following considers what you need to know about accidents with uninsured motorists, and how working with a West Palm Beach uninsured driver accident lawyer can help.
Who Pays for Injuries After a Crash?
The good news is that if you are involved in an accident with an uninsured motorist, Florida’s no-fault car insurance laws help to protect you by requiring that you file an insurance claim under your own policy’s Personal Injury Protection (PIP) coverage rather than filing a claim with the other driver’s insurance. This means that even if the driver responsible for your accident is uninsured, you can turn to your own insurance coverage for compensation for the medical expenses incurred by you, your child, members of your household, and any passengers in your vehicle at the time of crash if they lack their own PIP policy.
In addition to no-fault PIP insurance, you may also be able to recover compensation through your own policy’s uninsured/underinsured motorist plan, if you carry such coverage.
Can I File a Lawsuit Against the At-Fault Driver?
Many people who are hit by uninsured motorists and suffer serious injuries want to know whether or not they can step outside of the PIP/no-fault insurance system and file a lawsuit directly against the at-fault driver. In the event that you suffer serious injuries that meet Florida’s serious injury threshold (loss of bodily function, permanent scarring or disfigurement, or death), then you may file a tort against the liable party. Unfortunately, because the responsible driver is uninsured, you may have difficulty recovering a settlement even if the claim is resolved in your favor, as it is unlikely the driver will have funds to pay up. Rather than pursuing a claim against an at-fault driver, working with your own insurance to negotiate a settlement amount that fully compensates you for your injuries and losses is often advised.
A Dedicated Florida Uninsured Motorist Lawyer Here to Support You
At the offices of the Wexler Law Firm, P.A., we want you to take comfort in the fact that we have a long history of success representing those involved in accidents with uninsured motorists, and understand all of the laws surrounding your situation. When you are injured, don’t wait to take action. Instead, call our West Palm Beach uninsured driver lawyers today or contact us online to schedule your free, no-obligation consultation.