What if a driver causes an accident in Live Oak, Florida and they don’t have car insurance?
Drivers in the State of Florida are required by law to carry the following types of insurance coverages1:
- At least $10,000 in Personal Injury Protection (PIP) insurance
- A minimum of $10,000 in Property Damage Liability (PDL)
Drivers who neglect to meet the minimum insurance requirements are financially liable for covering any damage they cause. In addition, if they cause someone to suffer injuries, they can also be held accountable for paying for the victim’s medical care, lost wages, and any other losses they incurred.
How can the victim of a car accident involving an uninsured driver recover compensation?
Fortunately, Florida does follow no-fault insurance laws which means that if a driver is involved in an accident with an uninsured driver, they shouldn’t lose hope in recovering compensation for their injuries, lost wages, and more. Because Florida requires its drivers to carry PIP insurance, drivers are able to recover compensation from their own policy.
A driver who is involved in a car accident with an uninsured motorist in Live Oak, FL is generally entitled to collect up to $10,000 in PIP benefits given they are entitled to it. This can help them pay for medical care, transportation costs, lost wages, etc. Accident victims should be aware that the State does require that the individual seek medical attention within 14 days after their accident in order to recover compensation for injuries using PIP coverage.
If the accident victim has additional coverages added onto their policy, then these may help them afford other accident-related expenses.
What if a car accident victim’s insurance isn’t enough to cover all of their losses?
Because the driver who caused the accident was uninsured, they automatically become liable for providing the victim with financial relief. Of course, the victim will need to prove that the driver was liable for causing the accident.
In order to recover compensation from an uninsured driver, a victim will need to file a civil lawsuit against them. This generally needs to be done in the county where the accident transpired. In the lawsuit, the victim will be able to request that the driver who caused the accident provide them with financial relief for any of the following that applies:
- Pain and suffering
- Past and future medical expenses
- Lost wages
- Loss of consortium
- Mental anguish
- Loss of enjoyment of life
If an individual was recently involved in a car accident in Live Oak, FL with an uninsured driver, they can contact a Live Oak accident lawyer who will explore what resources are available to them so they are able to recover the compensation they are due. In the event a driver needs to file a lawsuit against the at-fault party, the Live Oak, FL accident attorneys at Koberlein Law Offices would be happy to help them.
The lawyers at Koberlein Law Offices are not only qualified to help a car accident victim file an insurance claim but will also assist them with the lawsuit process.
Koberlein Law Offices can be reached at any of their office locations listed down below:
118 Ohio Avenue N, Suite A
Live Oak, FL 32064
855 SW Baya Drive
Lake City, FL 32025
8443 SW 14 Lane
Gainesville, FL 32607
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