What If The Person Who Hits Me in Tampa Does Not Have Insurance?
20.4% of drivers in Florida are uninsured, according to the Insurance Research Council. Floridian motorists are required to carry property damage liability insurance and personal injury protection (PIP) coverage to drive a motor vehicle. They need at least $10,000 of both coverage types and must maintain the coverage whether or not they drive their insured vehicle.
When uninsured motorists drive and then cause a crash, it creates a massive headache for all the people involved. But you’re not out of luck if you get injured in an accident with an uninsured motorist - you may have several options for compensation.
Personal Injury Protection (PIP)
Florida follows the no-fault auto insurance rules. Put simply, regardless of whose actions lead to a car crash, each driver will look to their own auto insurers to cover their medical expenses up to the limits of their PIP coverage. In minor crashes, this coverage may suffice. In more serious crashes, however, PIP may not be enough when your car accident-related losses are greater than your PIP limits.
Uninsured Motorist Insurance
This can provide ample coverage if you sustain injuries in a crash caused by an uninsured motorist. If you have uninsured motorist insurance, this may cover your medical expenses and damage to your car.
Health Insurance Coverage
If the injuries you sustained in the crash with the uninsured motorist exceed the policy limits of your PIP coverage, you may be able to use your health insurance to cover some of your medical bills. Get in touch with your health insurance company right away to let them know that you suffered injuries in a crash with an uninsured motorist.
A Lawsuit
You may have to bring a lawsuit against the uninsured motorist to recover compensation for your damages, which can include pain and suffering. Aside from suing the driver that caused the crash, however, you may likewise bring a claim against other individuals or entities that contributed to or caused the crash.
A skilled Tampa uninsured motorist lawyer can investigate the crash and figure out any other parties that you can hold liable for your damages. Your lawyer can also review all the available insurance plans and help you better understand your case and give you a clear idea of how the negotiations will proceed.
It is also crucial to note that insurance providers will most likely make it very difficult for you to obtain the compensation you need to cover all your damages, including your medical expenses, property damage, pain and suffering, and others. Your lawyer can negotiate with insurers or take your claim to court if necessary.
Contact a Tampa Uninsured Motorist Lawyer Now
Whether you are having issues recovering compensation for your damages from your own auto insurance carrier or would like to know how to move forward with a claim against the uninsured motorist, Tragos, Sartes & Tragos can help. Schedule your free case review with our Tampa uninsured motorist lawyer by contacting us online or calling 727-441-9125.