What happens when an uninsured driver causes an accident

The odds of being involved in a car accident are very likely. For every 1,000 miles a person drives, there is a 1 in 366 chance of getting into a car accident. Odds are, you’ve likely witnessed a car accident on the road at some point. 

Car accidents are very common, but the aftermath can be very time-consuming. If you’re involved in an accident with an uninsured driver, the situation can become ten times more stressful. 

If you have been involved in an accident with an uninsured driver, finding a West Palm Beach car accident lawyer can help by providing legal guidance throughout the entire process. 

How To Protect Yourself Against Uninsured Drivers

Have you been in an accident with an uninsured driver? The best way to protect yourself and your property is to have car accident coverage to help cover the damage that can occur in these situations.

You can opt in to add UIM, uninsured motorist, coverage to your policy to cover your losses. There are two different types of insurance coverage you can obtain to help cover your medical bills and car damages if you’re ever in an accident with an uninsured driver.

UIM mostly pertains to your medical bills that come as a result of this accident. If you would like to have coverage to protect against car damages, you will want to add Uninsured Motorist Property Damage Coverage to your policy. 

When you purchase UIM or Uninsured Motorist Property Damage Coverage, you should note that the amount you could receive with UIM cannot exceed your standard liability coverage. For example, if your standard coverage covers up to $80,000, your UIM cannot exceed this amount. 

What To Do If You’re in An Accident With An Uninsured Driver

If you are ever in an accident with an uninsured driver, the steps are the same as any other accident. You need to call the police and wait for them to arrive to file an official report. As you’re waiting for law enforcement to arrive, you need to obtain the other party’s information. Clearly, you will not be able to get insurance information if they do not have it, but you do need to write down their name and contact information.

Florida is a no-fault state. That means that in any type of car accident, insured or uninsured, the parties are required to seek their own insurance coverage to help with paying the bills. Therefore, even if you are involved in an accident with an uninsured motorist and the accident is their fault, you still have to file a claim with your own insurance. 

Once you’re involved in an accident with an uninsured motorist, you need to act quickly and tell your insurance company immediately. Most uninsured motorist coverage requires you to inform them of the claim you’d like to make within 30 days. 

If your insurance policy does not cover all the expenses after the wreck, there are legal options you can take. Just because you were unfortunately involved in a wreck with an uninsured motorist does not mean all hope is lost. 

Legal Actions You Can Take in This Scenario

The best course of action you can take in protecting yourself against this unforeseen situation is to have uninsured motorist coverage, especially since car accidents are common and you never know who the other party is. 

Once you start to file a claim to seek extra compensation, you should consider hiring a West Palm Beach car accident lawyer. Filing your claim means that you will start negotiating a settlement to cover the out-of-pocket expenses you are going to have to pay. 

Since you are dealing with an uninsured motorist, you have the option to file a lawsuit against them. However, there’s no guarantee you will win a settlement or come out with a helpful sum because if the driver doesn’t have insurance, they likely do not have many assets.

There are other legal options you can take to seek extra compensation with the help of a legal professional. Your attorney will look at the wreck from all angles, especially your car, to determine if there’s a potential lawsuit to file against the manufacturer for contributing to the wreck. Your lawyer can also negotiate with your insurance company to get an additional sum out of your settlement to go towards expenses. 

Working with an attorney in the West Palm Beach, Florida area means you will have a legal professional who can take a thorough look at your accident and find ways to seek extra compensation that you may not be aware of.

What Hiring an Attorney Can Do For Your Case

You have the possibility to handle your claim on your own with your insurance policy, but you may not like the outcome of speaking to your insurer yourself. Lawyers and attorneys possess the necessary skills a client needs to build a case that gives the plaintiff a favorable chance of having the outcome they legally deserve. 

Hiring an experienced West Palm Beach car accident lawyer to do the work for you can significantly reduce pressure off you in your case. They will do most, if not all, of the work for you in communicating with your insurance company and anyone else involved in your case.

For example, when you hire an experienced car accident attorney, here is a small preview of what you can expect your attorney to do for you:

  • Communicate with your insurer and health care providers
  • Gather evidence of your case
  • Present the evidence to your insurer to prove your claim
  • File lawsuits against the vehicle manufacturer, mechanics, or anyone else
  • Negotiate a settlement

How Frankl Kominsky Can Help You

You don’t have to navigate the difficult world of uninsured driver car accidents by yourself. Allow an experienced West Palm Beach car accident lawyer to help you.

You can trust the attorneys at Frankl Kominsky Injury Lawyers to step in and act on your behalf expertly and favorably. Our firm has 40 years of experience handling car accident claims with uninsured drivers, so we know how to negotiate properly with your insurer and other manufacturers to find the best way possible for you to seek extra compensation. 

Our 40 years in practice have awarded us with expert knowledge to know how to analyze your case fully and find the right angles to work with when establishing the best route to take with your case. The last 40 years have also taught us how to anticipate the moves the other side will make and what to expect out of their fight. 

You can start by calling our 24/7 hotline at (561) 800-8000 or visiting us online to fill out our free case evaluation form. Once someone from our firm has your contact information, they will reach out to schedule your free consultation, where you will sit down with one of our attorneys to discuss your case in detail. You will also be able to hear about our services and how we can best help you.

Don’t wait any longer. Call Frankl Kominsky Injury Lawyers today.

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