No Insurance but Injured in a Car Accident? Here's What to Expect
If you were injured in a car accident but were uninsured, you may be hesitant to reach out to discuss your legal options, even if you were not responsible for causing the accident.
However, driving uninsured doesn’t necessarily mean you aren’t entitled to compensation from the at-fault party. Read on to learn more about how auto insurance works and what to expect if you were injured in a car accident while driving uninsured.
Florida Car Insurance Laws
Every driver must have an auto insurance policy on their vehicle before getting behind the wheel. Minimum amounts of car insurance coverage in Florida include:
- $10,000 in property damage liability (PDL) coverage
- $10,000 in personal injury protection (PIP)
Florida drivers are required to carry PIP coverage because Florida is a no-fault state for car accidents. This means that if you’re injured in a car accident, it doesn’t matter who is liable for causing your accident; you’ll file a claim with your own auto insurance company.
If you do not carry auto insurance and were driving uninsured, you may still be entitled to compensation. Your lawyer will need to take a careful look at the details of your case to determine how to best proceed if you were driving uninsured.
What About After the Car Accident?
After you have been injured in a car accident, you would normally file a claim with your insurance company, to start. But since you didn’t have an active insurance policy, you will not be able to file an insurance claim. It’s possible that you may be able to file one with the liable party’s insurance company, or you may have to go right to court.
First and foremost, you need exceptional legal representation. Although this is not a requirement under the law, having an experienced Lakeland car accident lawyer on your side can have a dramatic impact on the outcome of your case.
Once you have retained legal representation, your lawyer can then work to figure out how much your lawsuit is worth. This will be determined by carefully examining the various ways your life has been impacted by the car accident. Losses could include pain and suffering, medical expenses, lost income, and diminished quality of life, to name a few.
After your car accident lawyer has determined what your claim is worth, your lawyer will determine whether a claim can be filed and negotiations with the auto insurer can begin. If so, and the insurer settles reasonably and fairly, you may be able to avoid going to court. But if they won’t, or if the amount they are obligated to settle for is less than you’re entitled to, heading to court may be the next best option for you and your case.
However, if you are unable to file a claim with the liable party’s insurer, you may skip negotiations entirely and go right to court to obtain the compensation you’re entitled to.
Reach Out to a Lakeland Car Accident Lawyer
If you were driving uninsured and were involved in a car accident, you may still be deserving of restitution. You can contact a qualified Lakeland car accident lawyer at Lopez & Humphries, PA for help seeking justice. We can be reached through the quick contact form included at the bottom of this page or by phone at 863-709-8500 when you are ready to schedule your free, no-obligation consultation.