What If The Car Who Hits Me Does Not Have Any Insurance?

On Behalf of Rosenthal, Levy, Simon & Sosa | October 17, 2022 |

In the chaotic aftermath of a car accident where you got injured due to another’s negligent actions, it can be somewhat comforting to know that your own auto insurance coverage will help cover your medical expenses.

But what if your medical bills exceed your PIP (personal injury protection) coverage, and you have other damages that PIP doesn’t cover and the driver who struck you doesn’t have insurance? While this situation is more complicated than standard car accident cases, it doesn’t mean that you’re out of luck.

Your Options for Recovering Compensation After an Uninsured Motorist Accident

If the other driver is uninsured, you may still recover compensation to cover your car accident-related losses. You can turn to your PIP coverage under Florida’s no-fault auto insurance system to cover your medical treatment after the crash. This policy applies regardless of who caused the car crash, and it may be enough for all of your medical bills if you only sustained very minor injuries.

But if the cost of your medical bills exceeds your PIP coverage limit, and you suffer other damages, you’ll have to file a claim against your uninsured motorist insurance or bring a personal injury claim against the at-fault driver. 

Filing Your Uninsured Motorist Insurance Claim

If you have uninsured/underinsured motorist insurance, filing a claim with your own insurance carrier is the quickest and most practical way to recoup the money you require to cover your accident-associated expenses. This can cover your losses up to your policy limits.

A lawyer with experience handling uninsured motorist claims can assess your insurance documents to determine whether you have this optional policy. If you have uninsured motorist coverage, your lawyer can gather evidence to build and prove your claim and negotiate a settlement amount that will suffice for all your damages.

Bringing a Personal Injury Claim Against The At-Fault Driver

If you don’t have uninsured motorist insurance, your only option is to file a personal injury claim to hold the uninsured negligent driver liable for all the damages you sustained in the car accident. There are, however, some issues with filing a claim against the uninsured driver.

The driver might not have enough assets to pay for your damages, so you could only collect what they have available. In any case, a skilled Port St. Lucie car accident attorney will know what to do to ensure that you get compensated fairly.

Talk to an Experienced Port St. Lucie Car Accident Attorney Today

If you get hurt in a crash by a driver who doesn’t have auto insurance, you shouldn’t give up hope. Keep in mind that you have options for financial recovery, even if your case is more complicated than other accidents where at-fault drivers have insurance. The Port St. Lucie car accident attorneys of Rosenthal, Levy, Simon & Sosa can evaluate the details specific to your situation and build a strong case for just compensation.

Call our office today to arrange a free consultation with our Port St. Lucie car accident attorney at 772-249-3776 or reach us online.