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Reducing the stress of a collision with an uninsured driver

On Behalf of | Sep 14, 2017 | Blog

While out driving on a normal day in Florida, you may give little thought to what would happen should an accident occur. Unfortunately, with distractions all around, collisions are more common that one might think, and each one has a chance to end in disaster.

Perhaps you take comfort in knowing that if a collision was to take place, insurance would step in and assist with the damages. While this may be true in most cases, what happens if the other party does not carry an insurance policy?

Accidents involving uninsured drivers

Most states require drivers to carry some form of insurance; unfortunately, some attempt to get by without such monetary obligations. If involved in a collision with an uninsured driver, you may be wondering what options are available to you, which may include the following:

  • Insurance options:  Most, if not all, insurers offer additional coverage for such occurrences in the form of uninsured or underinsured motorist insurance. Should an accident occur in which the party deemed at fault doesn’t carry insurance, your own plan may cover your medical expenses and any damage to your vehicle.
  • No-fault laws:  In states with no-fault laws, your own insurance plan may provide you with financial relief regardless of who was at fault. However, these laws may also hinder your ability to seek restitution through a lawsuit.
  • Legal recourse:  While legal recourse for collisions in no-fault states is somewhat restricted, if the injuries you suffer in the accident are severe, and the other driver is at fault, you may still be able to pursue compensation through the civil justice system.

Being involved in a collision is stressful enough on its own, and with more questions than answers regarding your options with which to pursue financial restitution, you might find it beneficial to consider speaking with someone with experience in the area.

Seeking guidance on how to proceed

Suffering serious injuries in a collision can create numerous hardships in life, and depending on the severity of your injuries, you may be experiencing a need for long-term or permanent medical care. The financial ramifications of such requirements can be substantial, potentially prompting a need for relief.

However, with little understanding of Florida state laws, you might be uncertain how to proceed. You could speak with someone who is knowledgeable in such intricate matters. Obtaining advice on every available option could help prepare you to pursue the compensation you need, and deserve, through the necessary outlets.