What Happens if the Other Driver is Uninsured or Underinsured?
Dealing with a car accident can be overwhelming, especially when the other driver involved does not have insurance or has insufficient insurance coverage. Many people think this situation is hopeless, but fortunately, there are usually several options for seeking compensation for injuries and losses.
At Matthews Injury Law, we regularly help individuals who have been in accidents with uninsured or underinsured drivers. Our experienced car accident lawyers will fight to ensure you receive the compensation you deserve. Don't hesitate to contact us for assistance – we are here to assess and oversee your legal options.
Almost 16% of Florida Drivers are Uninsured
Did you know that almost 16% of drivers in Florida are uninsured? That's a significant number, which means there's a possibility that you could find yourself in a car accident with an uninsured driver. Even more, drivers do not have sufficient insurance to cover a serious accident.
Max Out Your PIP Coverage
When you're involved in an accident with an uninsured or underinsured driver, maximizing the benefits provided by your no-fault personal injury protection (PIP) coverage is essential. PIP coverage helps pay for medical bills, lost wages, and other specific expenses related to your injuries. Promptly seek medical attention for all injuries and follow your doctor's treatment plan. By fully utilizing your PIP coverage, you can minimize out-of-pocket expenses.
File an Uninsured Motorist Claim
If your PIP coverage is insufficient to cover all your damages or the uninsured driver's negligence caused severe injuries or property damage, you may be eligible to file an uninsured motorist (UM) claim. This type of claim allows you to pursue compensation from your insurance company for injuries and damage caused by an uninsured or underinsured driver.
Why You Still Need a Car Accident Attorney for First Party Claims
Even when dealing with first-party claims, such as PIP or UM claims, it is still advisable to seek the assistance of a car accident attorney.
Proving Your Losses
Calculating the actual value of your damages is not always straightforward. A skilled attorney can help you assess the full extent of your injuries, including medical expenses, lost wages, pain and suffering, and future medical needs. They will ensure you don't miss any potential compensation you may be entitled to.
Proving Liability in a UM Claim
When filing a UM claim, you must prove that the uninsured driver was at fault for the accident. This can be challenging without the help of an attorney who knows how to gather evidence, interview witnesses, and establish the other driver's negligence. Your attorney will build a strong case, increasing your chances of receiving fair compensation.
Contact a Tampa Car Accident Lawyer Today
If you've been involved in a car accident with an uninsured or underinsured driver in Tampa, don't hesitate to contact our experienced car accident attorneys at Matthews Injury Law. We understand the challenges of these cases and can handle the legal process. Contact us to schedule a free consultation now.