Vero Beach Uninsured Driver Lawyer
If you own a vehicle and have a Florida driver’s license, then you are probably very familiar with Florida’s car insurance requirements. In fact, if you have a valid Florida license plate and registration, then you are required in the state to carry personal injury protection (PIP) coverage, as well as property damage liability (PDL) insurance.
However, despite requirements for insurance, some drivers run the risk of operating their vehicle without any PIP or PDL, or bodily injury liability (BIL) insurance. When these drivers are involved in crashes, who pays for damages?
If you have been hit by an uninsured driver in Vero Beach, Treasure Coast, or surrounding areas of Florida, our experienced Vero Beach uninsured driver lawyer at the law offices of Vocelle & Berg, LLP can help you understand your options.
Your PIP Insurance Coverage
Regardless of whether or not the other driver is insured, and regardless of who caused the accident, your first option for recovering compensation after a crash in Florida is your own personal injury protection coverage. In fact, because Florida is a no-fault car insurance state, all drivers are required to turn to their own insurance first, and are barred from filing a claim or lawsuit against the other driver, no matter which driver acted negligently. PIP insurance is required in an amount of no less than $10,000 – a significant amount if your injuries are not severe.
Other Recovery Options
In the event that you suffer serious injuries (such as permanent scarring, disfigurement, or loss of a bodily function), you are able to pursue a claim against the at-fault driver. However, if the driver is uninsured, even if the driver is found to be liable for your injuries, there may be no money available to pay you.
When this is the case, again turning to your own insurance company – assuming that you carry certain coverage types – may be your only option.
For example, you may file a claim under your own policy’s uninsured/underinsured motorist coverage, which pays for damages when the at-fault driver does not have insurance, or does not have enough insurance to cover your losses. Your collision coverage, if you carry it, may help to pay for the costs of repairs to your vehicle.
What to Do When You Are Hit by an Uninsured Driver
If you are hit by an uninsured driver in the state of Florida, you should contact our law firm and schedule a free consultation with one of our double board certified lawyers immediately. One of the key parts of our job is to comprehensively investigate all potential sources of financial recovery, including any insurance policies held by the at-fault driver, as well as the at-fault driver’s personal financial situation. We will also aid you in filing your claim, negotiating your settlement, and even litigating in court if necessary.
It is important that you act quickly when you are involved in an accident. By calling our law firm today, you can get your consultation scheduled, and begin the claims process, immediately. Reach our Vero Beach uninsured driver lawyers now online, or call us directly to talk to a representative.