If you suffer injuries in a car accident through no fault of your own, you deserve financial compensation for your losses. However, the at-fault party may not have insurance to pay for your damages. In this case, you should contact an experienced lawyer at Wooten, Kimbrough, Damaso & Dennis. Our professional legal team can manage every element of your claim while you take the time you need to recover. We fight tirelessly for the compensation you deserve, even when the at-fault party does not have insurance.
We understand the aftermath of an uninsured car accident can be overwhelming, so we do everything we can to make the legal process as stress-free as possible. With our five decades of experience, we have worked on every type of car accident and have extensive knowledge of state law and innovative legal strategies. We take a personalized approach to every case, so our passionate lawyers develop a plan to meet your unique goals. We strive to provide consistent and transparent communication so you are always informed about your rights and how to receive a fair settlement.
What Florida Laws Impact Your Uninsured Car Accident Claim?
Florida has laws that apply to accidents with uninsured drivers. These laws may play a role in strengthening your claim and how you collect your damages.
Insurance Requirements
When registering a vehicle in Florida, drivers must have personal injury protection (PIP) insurance coverage in case they get into an accident. This coverage protects anyone injured in an accident, including the driver, passengers, pedestrians, and others outside the car. Florida law requires drivers to have the following coverage:
- Minimum of $10,000 in PIP coverage for medical and disability benefits and $5,000 in cases involving death.
- $10,000 of property damage liability
Many drivers ignore this obligation and drive without coverage, which prevents them from covering the cost of damages. For further protection, you can add uninsured coverage to your insurance policy, which covers injuries of anyone involved in the accident, but it’s not required by law. However, this policy does not cover property damage.
No-Fault Law
Florida is a no-fault state, which means parties involved in a car accident must turn to their own insurance companies to recover damages. However, PIP coverage limits you on medical expenses, so if you have severe injuries that exceed the insurance coverage, you can file a claim to receive compensation for your losses.
How Can You Recover Damages After an Uninsured Car Accident in Florida?
If your PIP insurance coverage does not cover the costs of your damages, you can still achieve the compensation you deserve. Steps to take after the accident to protect your rights and better your chances of a fair settlement include the following:
- Seek immediate medical attention
- Take photos and videos of the accident and your injuries
- Take pictures of the other car’s license plate
- Document any exchanged information, including names and insurance
- Write down witness information
- Request a copy of the police report
- Contact an experienced car accident lawyer
You may have additional insurance coverage that protects you in the event the at-fault driver does not have any insurance or enough insurance to make up for the losses you sustained.
These actions help us build a solid claim and prove the other driver’s negligence caused the accident and your injuries. We may interview witnesses and utilize valuable resources like medical professionals and financial advisors to further strengthen your claim. We understand negotiating with insurance companies can be intimidating, so we can speak to them on your behalf. You can potentially recover the following damages:
- Property damage
- Current and future medical bills
- Lost wages from missed work
- Pain and suffering
- Rehabilitation and physical therapy
- Prescribed medications
- Assistive medical devices
- Disfigurement
- Emotional distress
- Punitive damages
When working on your claim, our goal is to maximize your compensation, which we try to do outside of court. However, we can advocate for you in trial if necessary.
Why Should You Contact a Lawyer After an Orlando Uninsured Car Accident?
After getting into a car accident with an uninsured driver, you may not know what to do next. Your recovery should be your top priority, but the complexities of the legal process can make this difficult. Fortunately, you do not have to go through it alone. Our dedicated team supports you every step of the way and handles the following aspects of your case:
- Conducting a thorough investigation of the accident
- Reviewing your insurance policies and coverage
- Gathering and analyzing evidence
- Interviewing witnesses
- Calculating your claim’s worth
- Answering all your questions
- Negotiating with insurance companies
- Speaking on your behalf
- Informing you on what to say to insurance companies and in court
Our understanding attorneys take a weight off your shoulders by listening to your story and getting to the heart of your case. Our entire team collaborates on every case so your claim gets personalized attention and care.
Consult a Qualified Orlando Uninsured Car Accident Lawyer at Wooten, Kimbrough, Damaso & Dennis Today
Dealing with the aftermath of an uninsured car accident is not easy, especially if you suffered injuries. Insurance policies often contain confusing language and may not cover the total cost of your injuries and other accommodations. In this case, you can contact a lawyer that will advocate for you and build a strong claim to achieve a fair settlement.
At Wooten, Kimbrough, Damaso & Dennis, we have recovered millions of dollars in verdicts and settlements, so when you work with us, you can rest assured you are in excellent hands. Our top-notch legal team has over 50 years of experience serving the Orlando area, and we work to make the community a better and safer place. Our aggressive representation and customized solutions ensure you achieve the compensation you deserve, even if the liable party does not have insurance. To schedule a free consultation, fill out our contact form or call (407) 843-7060.