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Steps to Take After Someone Hits Me Who Doesn't Have Insurance

Florida motorists are required to carry property damage liability and personal injury protection (PIP) insurance coverage if they want to drive in the state legally. They must have at least $10,000 of both coverage types, and they must maintain it whether or not they regularly drive their vehicles. Failing to do so can result in the suspension of their driver’s license, a costly reinstatement fee, and related fines.

But despite this law, approximately 20% of drivers in Florida are driving around without auto insurance. Here’s what you should do after getting into an accident with an uninsured motorist in Florida.

You Must Report The Accident to The Police Right Away

Whether or not the other motorist has auto insurance coverage, you should always report the accident to the police. Having an official police report of the crash is even more crucial if you are dealing with an uninsured motorist. The report can serve as vital evidence when you seek compensation from your own auto insurance provider or in a lawsuit when you sue the uninsured motorist.

You Must Treat Your Injuries and Document Related Damages

Make sure to document the injuries you sustained in the crash and any damage to your vehicle. Also, take note that while vehicle damage will be apparent right after a crash, some injuries may take some time to appear. This is why getting medical attention, and if needed, treatment right after the crash is important. Keep your medical records and pay stubs, as these will help prove your accident-related damages.

You Must Talk to an Uninsured Motorist Accident Attorney in Clearwater

Ideally, your compensation must come from your PIP benefits or uninsured motorist insurance, if you have one. But even your own insurer will use delaying tactics and look for ways to reduce your compensation or deny your claim. This is why you should discuss your case with an experienced attorney before contacting your insurance provider.

Your attorney can also file a lawsuit against the uninsured driver on your behalf if your damages exceed your PIP coverage limit. On the other hand, you should be prepared for the possibility that the uninsured at-fault driver may not have the money to pay your damages. In this case, your attorney can negotiate and set up a payment schedule that will hopefully work for the uninsured driver. 

Likewise, your attorney can pursue other legal options to ensure that you receive compensation if the uninsured motorist doesn’t follow the payment schedule. These options can include garnishing the motorist’s wages or bank account or placing a lien on their property, among others.

Consult with a Clearwater Uninsured Motorist Accident Attorney

If you or a loved one sustained injuries in a crash involving an uninsured motorist in Florida, you have a right to get compensated for your injuries. The Clearwater uninsured motorist accident attorneys at Tragos, Sartes & Tragos will know what to do to make sure that you receive fair compensation for your losses after a motor vehicle accident. Arrange your free consultation by calling 727-441-9030 or sending us an online message.