As in all other states, every driver in Florida is required to carry certain amounts of auto insurance. Sadly, too many people ignore the financial responsibility laws of the state and they continue to drive without purchasing the appropriate insurance. When they cause a serious accident then, accident victims find it extremely challenging to hold them liable for paying damages. If you have been injured in a crash with a driver that does not have insurance, our Gainesville uninsured driver attorney is here to help with your case.
Our Attorney Explains the Auto Insurance Laws of the State
Motorists are expected to carry many different types of auto insurance, and personal injury protection (PIP) is just one of these. PIP does make it somewhat easier to claim some benefits after being hit by an uninsured driver. Due to the fact that this type of insurance is no-fault, you simply have to file a claim with your own insurance company and you should receive PIP benefits. You can claim up to $10,000 in medical and disability benefits, as well as up to 60 percent of your lost income if you are unable to return to work right away after the crash.
While many states require drivers to also carry uninsured motorist coverage, this is not a requirement in Gainesville. Still, purchasing this additional coverage will allow you to tap into the policy after an accident with an uninsured driver and claim up to the policy’s limits.
Involved in an Accident with an Uninsured Driver in Gainesville? Contact Our Attorney Today!
Our Attorney Can Help You File a Claim Against an Uninsured Driver
It is sometimes possible to file a claim against the negligent uninsured driver, although it is much more challenging than when filing a claim against a fully insured motorist. Filing a claim against a negligent driver is particularly useful for individuals that do not have uninsured motorist coverage. If you file a claim against an uninsured driver, you must file a claim directly against them, and not an insurance company. However, you must still prove certain elements of your claim, which are as follows:
- The uninsured motorist had a legal duty of care to act in a reasonable manner,
- The uninsured motorist breached that duty of care,
- The negligent act caused a crash, and
- You suffered damages or losses as a result
Certain elements of proof are fairly easy to establish, while others are quite complicated. Another challenging aspect of filing a claim against an uninsured driver is that they usually do not carry auto insurance because they cannot afford it. As such, they may not be able to afford to pay for damages, either. A knowledgeable Gainesville uninsured driver accident attorney can help you claim the fair settlement you deserve.
Call Our Gainesville Uninsured Driver Attorneys Today
At Meldon Law, our Gainesville hit by uninsured driver attorney offers experienced legal representation to individuals that are hurt in auto accidents. We will review the facts of your case, inform you of your rights, and help you recover the fair compensation you deserve.
Gainesville Uninsured Driver Accident FAQs
What should I do at the scene if the driver who hit me in Gainesville says they don’t have insurance?
Stay calm and call law enforcement so an official accident report is created. Collect as much information as possible, including the driver’s license, vehicle registration, and contact details. If there are witnesses, ask for their statements and contact information. Even without insurance, this documentation will be important for your Gainesville uninsured driver accident lawyer when building your claim.
Are hit-and-run crashes in Gainesville treated the same as uninsured driver accidents?
Yes, many insurance companies treat hit-and-run drivers as uninsured motorists because their coverage is unknown. If you have UM insurance, it may apply in both situations. A Gainesville uninsured driver accident attorney at Meldon Law can file the necessary claims and gather evidence to connect your injuries to the crash even if the at-fault driver fled.
Why should I hire a Gainesville uninsured driver accident lawyer instead of handling the claim alone?
Uninsured driver claims often involve multiple insurance policies, complicated legal questions, and challenges in collecting payment. Our Gainesville uninsured driver accident lawyers understand these issues, can negotiate directly with insurers, and explore every available path to recovery. Having legal representation increases your odds of receiving the full compensation you deserve.
Can I use my health insurance to cover my medical bills after an uninsured driver accident in Gainesville?
Yes. Your health insurance could cover medical expenses after a crash with an uninsured driver, but you may still face deductibles, copays, or limits on certain treatments. Our Gainesville uninsured driver accident attorneys at Meldon Law can coordinate your claim so that your health insurer is properly reimbursed and you are not left paying out of pocket.
Meldon Law
Address: 703 N Main St STE A, Gainesville, FL 32601, United States
Phone: 352-373-8000
Opening Hours: Call Us 24/7 For Legal Help
