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Florida Uninsured Driver Accident Attorney

When drivers disobey the rules, a skilled Florida attorney at Meldon Law can help

All Florida drivers are required to carry insurance coverage. Despite this law, thousands of drivers travel Florida’s roads and highways every day without it. Failing to carry insurance is dangerous for the driver who does it and for the drivers of cars they encounter along the road.

If you’ve recently been involved in an accident with an uninsured driver, don’t give up hope that you’ll get the money you need for your injuries. Fortunately, Florida drivers involved in collisions with uninsured drivers aren’t left without a means of recovery and can turn to their own insurance coverage. Even then, however, insurance companies are often reluctant to pay the full amount that accident victims are owed for their injuries, and the policy limits may not be enough.

Attorneys who will fight to get you the damages you’re owed after an accident caused by an uninsured driver

At Meldon Law, we understand how hard it can be to get big corporations like insurance companies to take you seriously. We know how challenging it can be to fight through giant bureaucracies to get the compensation you need just to afford necessary medical expenses and car repairs. We know how distracted and tired you feel, fighting for what you’re owed as you fight to recover from a serious accident.

Let us take some of that burden off your shoulders. Our seasoned Florida personal injury attorneys at Meldon Law are ready to fight for your compensation, allowing you to focus on your recovery. Contact us today for a free consultation on your uninsured driver accident claim.

PIP coverage offers some compensation for your injuries

Florida law requires that all drivers carry a minimum amount of car insurance in order to register a vehicle. Specifically, drivers must produce evidence that they have obtained a minimum of $10,000 in coverage in the form of both Personal Injury Protection and Property Damage Liability insurance to register their car.

Nevertheless, the Insurance Research Council has reported that over 20% of all Florida drivers carry no car insurance coverage. This means that, with one in five drivers in Florida driving without insurance, the state has the sixth-worst rate of driving insurance coverage. It is likely no coincidence that Florida’s average car insurance rate is 36% higher than the national average cost, according to a separate study.

Florida is one of the nation’s few remaining “no-fault” insurance coverage states. This means that each driver’s own insurance is intended to provide coverage for injuries suffered by the driver, their passengers, or people such as bicyclists and pedestrians who are outside the car at the time of the crash. Personal Injury Protection, or PIP, coverage will pay for 80% of your medical expenses and 60% of your lost wages, up to the policy’s limits. This amount may not be enough for serious accidents.

Uninsured motorist coverage can provide added compensation

Uninsured/underinsured motorist insurance coverage, also known as “UM/UIM,” can provide added help for victims of accidents with uninsured drivers. In contrast to PIP coverage, it is not mandatory to purchase uninsured motorist coverage in order to register a Florida vehicle. UM/UIM coverage is something that many Florida drivers elect to carry, and which can provide additional benefits when PIP falls short.

Obtaining UM/UIM benefits isn’t always straightforward, however. To qualify for UM/UIM benefits, the victim of the uninsured driver must be able to prove several factors:

  • The victim’s injuries were serious: UM/UIM benefits will not be distributed unless the accident victim can overcome what’s known as the serious injury threshold. The victim must be able to prove that they have suffered one of the following:
    • Significant and permanent loss of an important bodily function
    • Injury that is likely to be permanent
    • Significant and permanent scarring or disfigurement, or
    • Death.
  • The other driver failed to exhibit reasonable care: The victim of the uninsured motorist must show that the other driver acted negligently in causing the accident. This may involve a need for evidence of the other driver’s fault, which your attorney will prepare.
  • The other driver lacked insurance coverage or sufficient coverage to pay for your injuries: Finally, victims of uninsured drivers must prove that there was insufficient coverage available for their injuries. The insurer may argue that your injuries are not as valuable as you believe them to be and that instead, the amount available to you in existing coverage should be sufficient. In these instances, it is extremely helpful to have an attorney’s help in advocating for your position. Your attorney will understand how best to use available evidence and legal precedent to prove your entitlement to additional compensation.

Hit by an Uninsured Driver in Florida? Meldon Law Has Your Back.

Victims of accidents with uninsured drivers have options, but they are likely to need legal help to make the most of the options available. For seasoned, compassionate, and committed help after an accident caused by an uninsured driver in Florida, contact Meldon Law for a free evaluation of your case.

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