When you're in an accident with an uninsured driver in Florida, our Boca Raton uninsured motorist accident lawyers can help you get the compensation you need. Sit down with our team for a free consultation. We can stand by your side when pursuing an uninsured motorist claim.
What Counts As an Uninsured or Underinsured Motorist Accident?
Getting into an accident can be daunting and stressful. Some motorists are uninsured or underinsured, too. This makes the situation even more complicated. Such accidents happen all too often when an uninsured motorist does not have liability coverage on their motorcycle, truck, van, car, or RV.
The problem arises when these drivers don't have enough money or coverage to pay for the damages they cause. It becomes your responsibility to seek compensation from them. The insurer won't pay for your losses if the liable party doesn't have enough of (or any) coverage.
So, you will have to fight for the damages another way. If you or a loved one receives injuries from an uninsured motorist accident, it's easy to feel like you have very little financial protection.
The Consequences of Uninsured Motorist Accidents
Just like any other car crash, collisions with uninsured motorists cause a range of minor to severe injuries. For example, a car accident caused by an uninsured motorist could damage your car or cause the passing of a loved one.
Most drivers can't financially handle the consequences of being involved in an accident while they're uninsured. While motorists are required to have car insurance, not all of them do. And this isn't just about repairing your taillight. It's covering the cost of expenses like these:
- Medical bills
- Lost wages during recovery
- Pain and suffering
- Mental health treatment
- Physical therapy
- Reduced potential wages due to disability
- Mental anguish
- Loss of enjoyment of life
Your car accidents lawyer can help you file a claim against the uninsured driver to help cover these damages. We aim to help Boca Raton families suffering after accidents caused by negligence; our team can help you, too.
What Happens When a Driver Doesn't Have Insurance?
Whether or not all involved parties have insurance, you should immediately call 9-1-1 after a car accident. The police officer at the scene will take down your name, address, license plate number, and other details. Make sure you give them the correct information.
You might think you are safe from financial losses because you were driving an insured vehicle at the time of the accident. Unfortunately, many people don't realize the difference between liability insurance and personal injury protection (PIP) insurance.
Liability insurance protects you from lawsuits brought by those injured due to negligence. PIP insurance pays for medical treatment, rehabilitation services, and related costs incurred from an auto accident.
The Truth About Insurance Coverage
You might want to consider purchasing additional liability insurance coverage to protect yourself in case someone else causes damage to your property. Most drivers aren't aware of how much their policies cover. They assume that they are fully protected when, in reality, they are only partially covered.
If you are involved in an accident where another driver has inadequate coverage, you could end up paying more than you expected. Know what coverage you have before getting into a car. Even though you think you have the full range, you might still be surprised by the amount of money you have to pay after an accident—even when you aren't at fault.
If you are unsure whether or not you have enough insurance coverage, you should contact your insurance company. The representative can tell you whether or not you have sufficient coverage. If you do not receive a response within 24 business hours, you could contact your lawyer and have them reach out to the insurance company.
We'll File Your Uninsured Motorist Claim for You
When you want to file an uninsured motorist claim, you must ensure you get all the information you need. In some cases, you may find your attorney's help beneficial. The guidance they give with legal matters can make things easier. Consult with your lawyer before filing any claims to learn your options.
We Won't Let the Insurance Company Push You Around
You will likely receive a letter from your insurer in an uninsured motorist claim situation. This letter will tell you about your options and ask you to sign and return it within 30 days. After doing so, you receive a check for the amount owed to you. But you could be getting a whole lot more!
Don't sign anything without speaking to your attorney first—our team is prepared to give you the advice you need. And instead of accepting the first offer, we can negotiate a fair and substantial settlement for you.
Pay Nothing Unless You Win
We know all of the stress and costs you're facing. That's why we believe in affordable legal representation. We make this happen by working on a contingency-fee basis. Our expenses are only paid as a percentage of your settlement or financial award when you win the case. If you don't win, we don't get a dime.
You Have a Limited Time to File a Lawsuit
Under Florida Statutes § 95.11, you generally have four years to file a lawsuit. This pertains to personal injury lawsuits, like those that arise from car accidents. If you fail to file within the timeline, the court could throw out your case and you could lose your chances of pursuing damages.
There are some situations where you could have more or less time. Speak with your lawyer to learn more about what timelines are relevant in your situation.
Get Help from an Uninsured Motorist Attorney Today
Contact our law firm today if you are involved in an uninsured motor accident in Boca Raton and need legal representation. We will provide you with a free consultation to determine what options are available. Our lawyers are ready to help.
If you or your family members were injured due to the negligence of another party, you could sue for damages. Call a Dolman Law Group staff member today.
Dolman Law Group Accident Injury Lawyers, PA
301 Yamato Road, Suite 1240
Boca Raton, Florida 33431