What Should I Do if the Other Driver is at Fault in an Accident But Lacks Insurance Coverage?

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In Florida, all motorists are required to purchase and maintain minimum mandatory auto insurance coverage. Unfortunately, many drivers fail to abide by this law. Indeed, the Insurance Information Institute (III) estimates that more than one in five motorists in Florida are uninsured—the fifth highest of any state in the country. This raises an important question: What should you do if your crash is caused by an uninsured or underinsured motorist in Florida? It is crucial that you take proactive measures to protect your rights and interests. In this article, you will find an overview of five key steps that you take if the at-fault driver lacks adequate insurance coverage. 

Step #1: Seek Immediate Medical Attention (Emergencies Come First)

Nothing comes before your health and well-being. A severe injury in an uninsured motorist crash requires immediate medical attention. Other injuries should still be evaluated. It is not uncommon for car wreck injuries—from TBIs to whiplash—to develop with a delayed onset. By promptly seeking medical care, you ensure that your health is taken care of and that you have documentation of any injuries that may be relevant to your claim.

Step #2: Report the Collision to Law Enforcement

Once you have addressed any medical emergencies, it is crucial to report the accident to law enforcement. The police will investigate the crash and create an official accident report. The crash report will be an essential piece of evidence when filing a claim. A necessary step for all types of collision, reporting an accident is especially needed if the at-fault driver lacks insurance.  

Step #3: Document the Crash (Get as Much Information as Possible) 

While waiting for law enforcement to arrive, gather as much information as possible about the accident. Take photographs of the scene, including damage to both vehicles, road conditions, and any other relevant details. Exchange information with the other driver, including their name, contact details, and vehicle information. 

Step #4: File a Claim Through Your Own Insurer (PIP Coverage and/or UM/UIM Coverage)

If you were seriously hurt in an uninsured motorist accident in Florida, you may have a lawsuit against the at-fault driver. However, a motorist who lacks insurance coverage rarely has many (if any) recoverable assets. As such, your primary source of compensation is your own insurance. Make sure you are ready to file a claim through your Personal Injury Protection (PIP) coverage and your uninsured motorist/underinsured motorist (UM/UIM) coverage. 

Step #5: Be Ready to Get Professional Legal Representation

Uninsured motorist accident claims are complicated. The sooner you consult with a car accident lawyer in Fort Lauderdale, the better position you will be in to protect your rights and secure the full and proper financial compensation that you deserve. You cannot rely on insurers—even your own policy provider—to look out for your best interests. The right attorney can help you navigate the claims process and secure the settlement or verdict you need to pay bills and cover other damages. 

About Author

LaDonna Dennis

LaDonna Dennis is the founder and creator of Mom Blog Society. She wears many hats. She is a Homemaker*Blogger*Crafter*Reader*Pinner*Friend*Animal Lover* Former writer of Frost Illustrated and, Cancer...SURVIVOR! LaDonna is happily married to the love of her life, the mother of 3 grown children and "Grams" to 3 grandchildren. She adores animals and has four furbabies: Makia ( a German Shepherd, whose mission in life is to be her attached to her hip) and Hachie, (an OCD Alaskan Malamute, and Akia (An Alaskan Malamute) who is just sweet as can be. And Sassy, a four-month-old German Shepherd who has quickly stolen her heart and become the most precious fur baby of all times. Aside from the humans in her life, LaDonna's fur babies are her world.

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AnnaF
AnnaF
10 months ago

I personally really like to use different insurance companies and it was effective for me to use Link in order to secure myself. Such a solution is playing a significant role and you can be absolutely sure about the insurance quality and how operative is the whole service.

vietnam insurtech
9 months ago

Hello, I think it was ‘secret’ in the sense that most of Sarah’s family didn’t know that she had gotten married and she got married earlier than planned so she could get the benefits. Not so much illegal as maybe a little dicey from family’s perspective.

Vampire Survivors
7 months ago

I am not familiar with this information. It is quite beneficial to me. I appreciate you sharing.