Getting into a car accident can be overwhelming, frustrating, and a burden. When the other driver doesn’t have insurance or doesn’t have enough insurance, it can seem even more challenging. The good news is that Florida insurance laws mandate that every driver with insurance coverage be given the option to purchase uninsured motorist (UM) insurance. This coverage can provide benefits when an uninsured or underinsured person acts with negligence and causes injury. You should always ask your agent about UM coverage to protect yourself and your family.

Clark, Fountain, La Vista, Littky-Rubin & Whitman represents individuals who have been injured by negligent drivers. Our Florida auto accident lawyers can fight to make sure you get the compensation you deserve, whether from your own insurance company or another party.

Understanding Your Options in Uninsured Motorist Crashes

It is estimated that nearly half a million Americans will be involved in car accidents with uninsured drivers. This can leave hundreds of millions of dollars in healthcare expenses, therapy costs, and fees left unpaid to injury victims due to an uninsured driver’s lack of coverage. The good news is that if you have UM (uninsured or underinsured) coverage, you may still be able to get compensation, even when you are injured by an uninsured driver. In order to get compensation from your own insurance company after an uninsured motorist accident, you must prove the other driver’s liability.

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You can do this by showing that they were negligent due to:

  • Possessing a duty of care to be a reasonably prudent driver;
  • Breaching that duty of care through some type of negligence;
  • Causing your accident and injuries due to this breach; and
  • Saddling you with damages (costs accrued from the injuries).

If you can prove their negligence and liability following an accident, you will be able to pursue compensation from your own insurance company so long as you have uninsured motorist coverage.

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When The Insurance Doesn’t Cover All Your Damages

Car accidents can result in hundreds of thousands to millions of dollars in damages. You are looking at current and future medical bills, loss of earning potential, time missed at work, the loss of a loved one, emotional pain and suffering, and many other expenses.

Even if you don’t have enough coverage to compensate you for all the damages, you may also be able to pursue a different claim through other insurance policies or the at-fault driver’s assets. That is why it is crucial that you speak with a Florida car accident attorney after your crash to determine your options.