Uninsured Car Accident Claim

Injured by a driver without insurance? Watch this video to learn how to file an uninsured car accident claim in Florida. Free consultation available.

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Question:

What happens if the other driver doesn’t have insurance?

Answer:

Uninsured Car Accident ClaimYou may worried if the other driver who hit you didn’t have bodily injury liability coverage. Maybe that coverage lapsed or they didn’t have it to begin with. We’re going to do our investigation and determine for a fact whether the at-fault party had bodily injury liability coverage. We’re going to make sure that, if that person was driving a vehicle that was owned by someone else and whether or not the owner of that vehicle had bodily injury liability coverage.
In Florida, a person who owns a motor vehicle or drives a motor vehicle isn’t specifically required under Florida law to have bodily injury liability coverage. It’s not a required type of coverage to drive a car. The only type of coverage that’s required is property damage liability which won’t cover your personal injuries.

We’re going to be telling you from the very beginning, if indeed it’s determined that the at-fault person who was driving the car that caused your injuries didn’t have liability coverage. Then we’re going to be moving to step two of our investigation which is to determine if you have uninsured motorist coverage under your policy or if you’re residing with a resident relative that owns a motor vehicle that has uninsured motorist coverage that we can look to try to recover for your injuries, damages, and losses. We’re going to be looking to that step if that person either didn’t have any liability coverage or didn’t have sufficient liability coverage. Then we’re going to be looking to determine if you have uninsured motorist coverage that would protect you.

Under Florida law, an insurance company cannot legally raise your insurance premiums for you pursuing an uninsured motorist claim for an accident that was not your fault. They cannot do that solely on the basis of you pursuing an uninsured motorist claim.


Were you or a loved one seriously injured or killed after a motor vehicle crash in Florida and have questions about uninsured car accident claims?
Contact our dedicated Tampa Bay car accident lawyers at Perenich The Law Firm today for a free confidential consultation and case evaluation.
Let our experience work for you.

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