Uninsured Motorist Accidents
There are serious implications if you’re injured a motor vehicle crash, but your situation may be even more devastating if the responsible driver doesn’t have auto insurance coverage as required by Florida law. The typical legal process of filing a claim with the other motorist’s insurance doesn’t apply to an uninsured motorist accident, so you might assume that you have no rights as a victim. Though you’re no doubt relieved to know that you do have options, you’ll find that seeking compensation through these remedies is much more complicated than you think.
At Sholtes Law, PLLC, our attorneys understand that an uninsured motorist accident might leave you without hope. However, we have skills and in-depth knowledge of the laws that apply to your situation. We’ll assist with the claims process to get the compensation you deserve, so please contact us to set up a free consultation. A uninsured motorist accident lawyer can provide specifics, but a synopsis of the basics may be informative.
Summary of Florida Auto Insurance Laws
Unlike other US states, Florida is a no-fault state for purposes of car crash claims. You don’t need to prove who was responsible for causing an accident, because you usually file a claim with your own insurance company to recover compensation for your losses. Your policy covers these incidents through Personal Injury Protection (PIP), which is required by the Florida Department of Highway Safety and Motor Vehicles.
The advantage of mandatory PIP is that you can obtain your insurance benefits when you’re hurt in an uninsured motorist accident. You do so by filing a first-party insurance claim, through which you can recover:
- Up to 80 percent of the costs for medical treatment, including surgery, hospitalization, pain medications, and related expenses;
- Up to 60 percent of your lost wages, if you can’t work because of your injuries;
- Death benefits, as a surviving family member of a victim who died in an uninsured motorist accident; and,
- Other amounts, depending on your circumstances.
What to do if You’re Injured by an Uninsured Motorist
You can trust our attorneys at Sholtes Law, PLLC to handle the primary tasks involved with filing a claim. However, there are a few tips to guide you through the aftermath of an uninsured motorist accident:
- Get proper medical care the same day of the crash;
- Take pictures and collect as much evidence as possible at the scene;
- Notify your insurer of the incident, but don’t make any statements regarding the details; and,
- Contact our office immediately.
Consult with a St. Lucie Uninsured Motorist Accident Lawyer About Your Rights
Hopefully, this overview is helpful in explaining the basic legal concepts regarding uninsured motorist crashes. However, it should also convince you that experienced counsel is essential in dealing with your insurance company. Our team at Sholtes Law, PLLC will fight to get the top monetary damages allowed by law, so please call 855-534-2509 or visit our website to schedule your no-cost case assessment. We serve accident victims in St. Lucie, Fort Pierce, and Martin Counties, and we look forward to working with you.