What Happens If I’m Hit by an Uninsured Driver?
Getting in a car accident can be one of the most traumatic things a person will experience—regardless as to whether they were the victim of a pedestrian accident or a vehicular accident.
And while accident victims can seek damages from the at-fault party, if the at-fault party doesn’t have insurance, this can make the claims process that much more challenging. This holds especially true if the victim finds themselves dealing with extensive medical bills and high out-of-pocket deductibles.
If the victim is unable to return to work for an extended period of time, this can make the situation feel all the more stressful.
If you’ve had the misfortune of being involved in this type of crash, that’s not to say that all hope is lost. For this blog post, we wanted to address the types of options that people in these cases have.
Do you carry uninsured and uninsured motorist coverage? If so, your policy may kick in
It’s common knowledge that car insurance is mandatory for registered vehicles in Florida, that’s not to say that all drivers abide by the rules. This is where uninsured and underinsured motorist coverage comes in.
Although this type of insurance coverage is only required in some states, insurance carriers in most states are required to offer it.
UIM coverage kicks in when people are involved in a car accident with a driver that doesn’t have any (or enough) insurance to cover their damages.
The most important thing to know is that most insurance companies have limits on the amount of time a policy holder will have to make a claim. In some cases, you may need to file within 30 days of the accident.
If you’ve been in an accident with a driver who is uninsured or underinsured, you’ll want to get the ball rolling with your insurance company immediately.
Filing a lawsuit
If you or someone you care for has been involved in a pedestrian accident or vehicle accident with an uninsured or underinsured at-fault driver, but your UIM policy coverage won’t be enough to cover your damages, you’ll want to contact an experienced personal injury attorney right away.
The Naples personal injury attorney can help you understand what your options are, what courses of action are available to you and whether you have a viable case.
For more information on what your legal options are if you’ve been struck by an uninsured or underinsured attorney, call us today to schedule a free consultation with an experienced personal injury attorney.