St. Petersburg Uninsured Motorist Accident Attorney
It’s ideal for Florida motorists to buy Uninsured Motorist Coverage to avoid the need for a lawyer later. Each driver must have the state’s minimum requirements of $10,000 for Property Damage Liability and $10,000 coverage for Personal Injury Protection.
All insurance companies in the state must provide additional Uninsured Motorist Coverage, but, unfortunately, many drivers don’t buy the optional policies to save money on premiums. However, the additional cost of Uninsured Motorist Coverage does not compare to the financial security it may provide following an accident.
Florida has the highest rate of uninsured drivers in the country, with about one in every five drivers being uninsured. Although the state follows a no-fault insurance law for car accidents, a minimum coverage policy will rarely cover the total cost of damage after a serious accident.
When a victim’s insurance is not enough to cover damages, they will typically file a lawsuit against the at-fault driver’s insurance. If the other insurance is lacking, or the driver does not have any coverage, the victim should contact an uninsured motorist crash attorney in St. Petersburg to explore other means of reimbursement, such as personal injury claims.
What Should I Do After an Accident Involving an Uninsured Driver?
After you’ve been in a wreck with an uninsured driver, call the police to report injuries and damage, as well as give the officers a statement.
Choose your words carefully because the police could misconstrue phrases such as “I’m sorry” or “I couldn’t stop in time” as fault admissions. Statements like these could come back to haunt you, so just answer the officer honestly and concisely. Take photos of the accident scene before it’s cleared. Pictures of vehicle damage, injuries, and the area may be useful evidence later in a claim.
Your next move should be seeking medical treatment even if you don’t think your injuries are serious. Sometimes, symptoms are slow to show themselves, so any delay in attention could significantly complicate your condition and make an injury worse.
A delay on your part in seeking medical attention could also cast doubt about your story in a future case against an at-fault driver. Your doctor will give you a report listing your injuries, potential future developments, and recovery plan. This is an additional piece of evidence that will be important if you decide to pursue legal action later.
Insurance Laws in Florida
Each Florida driver must have minimum coverage for Property Damage Liability and Personal Injury Protection. However, it’s also a good idea to have additional coverage.
When you consider the remarkably high rate of uninsured drivers in the state, getting Uninsured Motorist Coverage makes sense. These add-ons shouldn’t raise your premiums by more than $100 per year, which is pretty reasonable considering the coverage they provide.
Uninsured motorist coverage can assist with damages, such as:
- Non-economic damages such as pain, suffering, and loss of enjoyment of life
- Medical bills, up to the policy limit
- Future medical bills connected to a crash
- Lost wages not covered by no-fault insurance
- Coverage for hit-and-run victims
- Future wage losses caused by a wreck
Potential Insurance Issues
Even though Uninsured Motorist Coverage can offer additional relief beyond the standard no-fault insurance, it won’t cover vehicle damage or other property damage. Insurance companies will likely provide additional coverage options for these issues, so investigate that availability with your carrier.
Before signing an insurance policy, do some research on the carrier. While they may tout competitive premium rates, their track record of past policyholder interactions may not be great. Search online to see what people are saying about the insurance company in regards to dealing with claim-processing time, pushback from claims adjusters, and past legal disputes over denied coverage.
There isn’t an exact formula for determining how much a settlement offer will be for a Car Accident in Florida. The amount will largely depend on the types of auto insurance coverage the drivers carry, which is complicated in uninsured motorist cases. If you have insufficient insurance to cover all of the costs of a serious accident, and the at-fault driver doesn’t carry insurance, contact Bulluck Law Group in St. Petersburg to have a conversation with an uninsured motorist crash attorney.
How Do I Build a Lawsuit?
Florida is a no-fault state. So, a victim must first make use of their auto insurance policy to take care of medical bills and lost wages, then they can file a lawsuit against the at-fault driver’s insurance for property damage.
Florida only lets victims file personal injury claims for severe crashes. They’re generally classified as accidents resulting in permanent disabilities, fatalities, or extensive property damage. There’s a four-year statute of limitations for filing a personal injury claim for a significant car wreck in Florida. So don’t wait to reach out to an attorney and start building your case.
Compensation & Damages in Uninsured Motorist Claims
As long as law enforcement can identify and find the at-fault driver, they will face legal consequences for driving without insurance, including driver’s license suspension and fines. In some instances, the at-fault driver could face jail time for a crash that resulted in serious damage or was caused by reckless driving. They could also face charges if criminal activity was involved in the wreck.
Since the victim’s insurance is unlikely to take care of the total cost of a severe car crash, and the at-fault driver in an uninsured motorist case doesn’t have insurance, the victim has to file a claim against the at-fault driver to get additional compensation.
Depending on the nature of the accident and type of insurance, plaintiffs can get reimbursement for additional medical bills and lost wages that extend beyond their coverage, along with non-economic damages such as suffering and pain.
What Can a Lawyer Do?
Motorists need to remember Florida abides by a pure comparative negligence law. That means a plaintiff who was partly to blame for their damages can still get compensation. But the court will reduce the plaintiff’s reimbursement by their degree of fault in the accident.
Hiring the right uninsured motorist crash lawyer in St. Petersburg can make a big difference in a case where insurance is insufficient to cover damages. Bulluck Law Group has extensive experience with all kinds of car-crash claims in St. Petersburg, including uninsured motorist cases. Our team is not afraid to handle difficult insurance companies who deny or reduce coverage without just cause.
Call Bulluck Law Group in St. Petersburg today to schedule a free consultation with one of our attorneys. We can help you decipher your insurance coverage and deal with the insurance carriers so you can focus on recovering from the crash.
Were you or a loved one involved in a car accident with an uninsured driver? Call Bulluck Law Group to file uninsured motorist claim with the insurance company.