When an accident occurs, it can bring a lot of stress and anxiety to your life. Not only is your vehicle damaged, but you may be suffering from numerous injuries. When an uninsured motorist hits your car, it can be particularly frustrating because they should have insurance so you can obtain compensation for your damages.
However, with the help of a North Miami Beach uninsured motorist accident lawyer, you can begin reclaiming the losses you've incurred and put your life back together again.
North Miami Beach uninsured motorist accident lawyers have the expertise and skills to assist you with getting back on track in life.
Insurance Laws in Florida
When you purchased your car or got your registration, one of the things they probably asked you for was proof of insurance. Most states require that drivers have car insurance. The type of insurance or amount you purchase is optional in most instances, although there are minimums you must have.
In Florida, drivers need to carry personal injury protection (PIP) insurance.
Many accidents cost people a significant amount of money due to the injuries and damages. If the driver is uninsured, a North Miami Beach uninsured motorist accident lawyer can give you details about how to recover the losses.
Economic and Non-Economic Damages
There are two main types of damages from an accident with an uninsured driver. Economic and non-economic. These damages stem from the injuries you incurred during the accident. The number of damages can range depending on how severe the injuries are. If you have extensive injuries, you may have more damages.
Economic damages consist of the bills you might have received due to the accident. A North Miami Beach uninsured motorist accident lawyer can assist you in recovering economic damages. Some of these may be as follows:
- Medical bills, including hospital costs
- Future medical assistance or disability payments
- Damaged property
- Loss of wages
- Loss of benefits
The other type of damage is referred to as non-economic. These damages may not be seen but are felt just the same. Some of the claims that can be made from these include:
- Pain and suffering
- Mental anguish
- Loss of pleasure
- Loss of enjoyment
- Loss of consortium
Florida's Statute of Limitations
Florida's statute of limitation is found in section 95.11. It outlines when a person must file their personal injury claim for the damages listed above. In Florida, you have up to four years from the accident date to file your claim.
What Options do I Have If an Uninsured Driver Hits Me?
When an uninsured driver strikes your vehicle, it may feel like there are no options left to recoup the losses you've had. However, you can have a North Miami Beach uninsured motorist accident lawyer check the details of your case to see how to recover some (or all) of the damages.
Uninsured Motorist Coverage
If you have this type of coverage, the uninsured motorist coverage can provide some relief to you in case of an accident. However, it is not mandatory, so you may not have this insurance. When you signed up for insurance, if you opted to buy it, then it would be about the amount of your personal liability insurance.
Personal injury protection (PIP)
As stated in the opening section, Personal injury protection (PIP) is required in Florida. So, you can have this protection to help with an uninsured driver. The amount of coverage you can get may vary depending on if you have the bare minimum. Also, if you wait too long, it could jeopardize your claim. That's why it's crucial to talk to a North Miami Beach uninsured motorist accident lawyer to find out what type of payment you can obtain. Your attorney can help you determine if a lawsuit is an option to consider.
File a Lawsuit
Since the person didn't have the vehicle insured, it's important to determine if a lawsuit would be appropriate. Does the driver have access to funds? Do they have assets? Maybe they do have monetary means to cover the accident but had allowed their insurance to lapse by accident. In this case, it would be an excellent option to seek recovery through a private lawsuit against the driver.
Health Insurance Coverage
You may be able to get many of your bills paid by your medical insurance. If you have a good medical policy, they should cover any injuries arising from an accident. But, as you're probably aware, there are always extra fees and costs when using medical insurance. You may have to pay for co-payment fees, a deductible, etc. This can add up.
Discuss your additional costs with a North Miami Beach uninsured motorist accident lawyer.
Contact a North Miami Beach Uninsured Motorist Accident Lawyers
A North Miami Beach uninsured motorist accident lawyer can research your insurance policies and determine the other party's ability to pay for your damages. They can assist you with moving toward closure and reclaiming your life. At the Dolman Law Group Accident Injury Lawyers, PA., you can receive a free case evaluation and have all the legal work taken care of.
Contact a North Miami Beach uninsured motorist accident lawyer by calling today.
North Miami Beach Office
1820 NE 163rd St #306,
North Miami Beach, FL 33162
(305) 676-8154