Nobody ever expects to be involved in auto accidents, but it might be statistically impossible to avoid ever being one in your life. If you live in Florida, your chances of being in a car accident are quite high, especially with an uninsured driver. The Sunshine State follows a no-fault rule that requires all motorists to carry no-fault auto insurance.
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Despite being a no-fault state, Florida stands sixth among the states with uninsured drivers. In fact, the Insurance Information Institute reports that 20.4% of all drivers in the Sunshine State do not have adequate insurance. Insurance premiums are not easy to cover, considering the economy these days. If you are an uninsured driver yourself, you might be worried about your options if you are ever involved in an accident.
Auto accidents almost always result in significant property damage and injuries. Whether or not you have insurance, it is crucial to understand your options to seek reparations if you are involved in an accident as an uninsured driver or with an uninsured driver.
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Today’s post will shed some light on the situation and the avenues you can explore to become financially whole again.
Florida’s Requirements For All Motorists
The Sunshine State has measures set in place to reduce the number of civil claims being filed in court to prevent the legal system from being bogged down with unnecessary litigation. The no-fault rule in Florida means that whenever a car accident occurs in the state, both parties involved in the incident will be held responsible. The parties must look to their insurance providers to help them get monetary compensation instead of filing a claim against each other.
Part of the no-fault rule is that all motorists in Florida must carry at least $10,000 in Personal Injury Protection coverage and $10,000 in Property Damage Liability insurance. These two insurance types are there to help cover medical expenses you might have to face after suffering injuries in an auto accident. The property damage liability helps you cover the costs of repairing damages to the other party’s vehicle if you were more at fault for causing the wreck.
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Remember that the personal injury protection and property damage liability insurance policies do not cover the damages your vehicle might incur. It would be good to purchase collision coverage in your insurance policy to help you with those expenses if you get into an accident.
Now, you might expect everyone to follow the rules and carry adequate insurance based on the no-fault rule. Unfortunately, not all West Palm Beach residents carry enough insurance coverage.
Consequences For Not Carrying Adequate Insurance In Florida
You can face penalties after being involved in an accident that causes any injuries or significant damages if you do not carry the right insurance coverage as a Florida resident. However, Florida does show some leniency to first-time offenders in this regard and takes it easy on them if the accident is not too severe.
As a first-time offender for being in an accident as an uninsured driver, you might face a license and tag suspension along with a $150 fine. If you are slapped with the suspension and fine, you will need to work towards getting adequate insurance and showing proof of it to get the suspension on your license and tags removed. Unfortunately, you might also need to pay the other motorist for the damages they have incurred out of pocket, making matters worse for you if you do cannot afford to cover the damages.
Is It Possible To Pursue Compensation After An Accident As An Uninsured Driver?
Ideally, you should focus on getting adequate insurance that aligns with Florida’s no-fault rule requirements before you start driving in West Palm Beach. No matter how good a driver you are, there is always a chance that you might find yourself in an auto accident, and it is not going to be easy dealing with all the ramifications – even as a first-time offender.
It is technically possible for you to file a personal injury claim to seek damages after being involved in an accident as an uninsured driver. However, your chances of actually winning the case and getting a settlement from the other party might be very slim. You may want to discuss the situation with qualified West Palm Beach car accident lawyers and ask them to review the details of your case.
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An attorney experienced in dealing with auto accident cases is the best person to help you determine how you can proceed with your case if there is enough evidence to help you pursue one in the first place. If the lawyer determines that there is substantial evidence leading to the possibility of you winning damages, you will need to work with them to gather the necessary evidence that proves it was the other driver’s fault. But remember that you can also face legal action if the other driver decides to file a case against you. The situation can be challenging for you, especially if the other motorist has adequate insurance.
Speak To A Car Accident Lawyer Immediately
Dealing with the trauma of the car accident itself can be overwhelming. Recovering from any injuries you might have suffered in the accident can be a lot to deal with. Not being insured can make the whole situation far worse due to all the expenses that pile up because of the accident. Without any help to cover damages, you may face very challenging times ahead.
If you have been involved in a car accident as an uninsured driver in Florida, you should consider talking to experienced West Palm Beach car accident lawyers. While there is no assurance that they can help you file a claim that results in a guaranteed settlement in your favor or any favorable outcome, they can give you honest legal advice regarding your situation.
There is always a chance that they can help you reduce the risks involved for you and improve your chances of seeking compensation. Consider talking to lawyers if you have been in an accident as an uninsured driver. Their team of car accident lawyers may be able to guide you through the tough times ahead.
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