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I Was Hit By an Uninsured Driver - Who Pays for My Damages?

Your chances of being involved in an accident with an uninsured driver are greater than you think—especially if you live in Florida. The Division of Insurance Fraud reports that 25% of the drivers in Florida have either no insurance or fake insurance. So what happens when one of those drivers injures you or someone you love? Who pays for the medical expenses, lost wages, and damages to your vehicle? The answer—unfortunately—is YOU.

Without insurance, there is little drivers can do to collect damages. You could file a personal injury lawsuit against the negligent driver, but the majority of those drivers don’t have insurance because they simply can’t afford it. With little assets and income, your chances of recovering enough money to pay large medical expenses and vehicle damages are slim.

That’s where uninsured motorist insurance comes in. Florida is a no-fault state. This means that your insurance company should pay for medical bills, vehicle repairs, and lost wages up to your policy limit. For a few dollars more a month, you can purchase uninsured motorist insurance, which will kick in when you are involved in an accident with an uninsured driver.

The State of Florida only requires motorists to purchase property damage insurance and personal injury protection insurance of $10,000 each. Drivers are not required to purchase bodily injury coverage or uninsured motorist coverage. Yet you can well imagine that a horrific automobile accident will quickly chew through your $10,000 minimum PIP insurance coverage.

If you purchased uninsured motorist insurance, then you will receive additional coverage to mitigate the financial strains of being involved in an auto accident with an uninsured driver. Each insurance policy is different, however, so it is best to review your insurance coverage with an experienced car accident lawyer in Fort Lauderdale if you have any questions or concerns about your coverage.

Unfortunately, insurance companies are not always cooperative after an accident with an uninsured driver. They may try to reduce your claim by using a variety of tactics that are designed to reduce their liability and your compensation. When this occurs, you need an experienced car accident lawyer on your side to negotiate with insurance companies on your behalf and ensure that you receive all that you are entitled to.

Contact Our Car Accident Lawyers for a Free Review

If you or someone you love has been involved in an accident with an uninsured driver, there are ways to obtain compensation. Don’t let the insurance companies give you the runaround. Call our Fort Lauderdale car accident lawyers at Kelley/Uustal to arrange a free consultation.

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