What to Do If You’re Hit by an Uninsured Driver: A Legal Guide

Car accidents can be stressful, especially when the other driver is uninsured. While most states require liability insurance, Florida does not, and many Florida motorists drive without proper coverage. If you find yourself in a collision with an uninsured driver, here’s what you need to know to protect your rights and seek compensation.

Uninsured Motorist Coverage

• Your Best Option: If you purchased uninsured motorist coverage with your own insurance company, you’re in luck. This coverage steps in when you’re involved in an accident caused by an uninsured driver.
• How It Works: Your insurer will stand in for the at-fault uninsured motorist and cover your losses, up to the policy limits. It’s essential to have this protection in place before an accident occurs.

Reporting the Accident

• Act Promptly: Report the crash to police. Provide as many details as possible, including the at-fault driver’s contact information and any witnesses.
• Gather Evidence: Document the scene, take photos, and collect relevant information. This will strengthen your case when seeking compensation.

Without Uninsured Motorist Coverage

• Limited Options: If you don’t have uninsured motorist coverage, your options are limited.
• Collision Coverage: Your collision coverage can help repair your vehicle (up to the coverage limits), but it won’t cover injuries. Remember that it’s essential to have uninsured motorist coverage for comprehensive protection.

Consult with an Attorney

• Legal Guidance: Consult with an experienced personal injury attorney. They can assess your situation, explore any additional avenues for compensation, and guide you through the process.
• Know Your Rights: Even without uninsured motorist coverage, you still have rights to exercise through your own insurance policy. An attorney can help you navigate the complexities and seek justice.

Conclusion

Being hit by an uninsured driver is frustrating, if you are driving in a state like Florida that does not mandate bodily injury coverage, consider adding uninsured motorist coverage to your policy.

At Brubaker Injury Law, we’re here to help you navigate the complexities of your personal injury case. If you’ve been in an accident, don’t hesitate to reach out to us. We’re here for you.