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What options do you have if an uninsured driver crashes into you?

On Behalf of | Sep 18, 2015 | Uninsured/Underinsured Motorist Accidents

Most drivers are somewhat familiar with the steps that should be taken after a relatively minor motor vehicle crash. All involved parties are supposed to stop, pull off to the side of the road if possible, exchange insurance information and then go about the process of getting cars fixed and any injuries assessed.

Unfortunately, if one of the drivers involved in an accident is uninsured, it can be much more complicated and people don’t always know what to do next. If this sounds like something you have recently experienced, you might be thinking that you are out of luck and will have to deal with repairing the damages on your own. However, this may not necessarily be true.

Many Florida drivers carry insurance policies that cover them if they are involved in a crash with an uninsured driver. While Florida laws do not require drivers to have an uninsured driver policy, this type of insurance can be crucial in helping to cover the costs of fixing your vehicle and getting medical attention when the other driver does not have the insurance coverage to cover these expenses.

If you don’t have this insurance, you still may be able to take legal action against the uninsured or under-insured driver to seek compensation for damages. This is an option people might consider if the other driver was reckless or negligent behind the wheel.

However, it is important to note that even if a case like this is successful, you may not end up collecting a significant sum of money since the individual without adequate insurance may not have the financial means to pay very much.

Whatever you decide to do, you should keep in mind that it can be crucial that you discuss the options with an attorney before agreeing to any type of settlement or payout. Failure to do this could be a costly mistake and you could end up receiving less than you deserve or get into a messy, frustrating dispute with an insurance company.