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In: Auto Accidents

Accidents Involving Uninsured Motorists

Skilled Boca Raton car accident lawyers help you recover compensation after an accident with an uninsured motorist

When you drive in Florida, there is a significant chance that you are sharing the roadway with an uninsured motorist. Florida ranks number one for the greatest number of uninsured motorists in a state, at 26.7 percent. If you have been in a car accident with an uninsured motorist, you may be wondering how you will recover compensation for your injuries and any property damage you sustained. The skilled Boca Raton car accident lawyers at Ged Lawyers, LLP, are experienced and knowledgeable, with a track record of successfully recovering maximum compensation for car accident victims.

Who pays when an accident involves an uninsured motorist?

If you have been injured in a car accident and the negligent driver does not have car insurance, who pays for your medical expenses? That depends. The state of Florida requires that all motorists who register a vehicle in the Sunshine State have a minimum of $10,000 personal injury protection (PIP) insurance and $10,000 property damage liability. But if you or a loved one suffers serious injuries in a car accident, the $10,000 from the no-fault PIP insurance is unlikely to cover your medical expenses and lost wages. If the at-fault driver is an insured motorist, then you are protected by your own uninsured motorist coverage – if you have it.

What is uninsured motorist insurance coverage?

Uninsured motorist insurance coverage is an optional insurance provision that can be purchased on a driver’s automobile insurance policy. Uninsured motorist insurance provides coverage when the at-fault driver is uninsured. This coverage protects the insurance policyholder, the policyholder’s relatives that live with them, and any passengers that are in the car when the accident occurred. Uninsured motorist insurance pays for medical expenses, disability, long term nursing care, pain and suffering, lost wages, and replacement services for functions that the injured is no longer able to perform. Uninsured motorist insurance coverage does not cover the cost of any damage to the vehicle. In purchasing uninsured motorist insurance, the policyholder may not select a limit that is higher than the bodily injury liability limit of the policy.

Personal injury accident claims

Personal injury law protects those who have been injured in accidents that are due to another person or entity’s negligence. In the case of a motor vehicle accident, the injured victim can file a personal injury claim to recover compensation for outstanding medical expenses, costs of future medical treatment that are the result of the car accident, property damage, and pain and suffering. Florida’s statute of limitations — the legal time frame for filing a claim in the civil court system — is four years from the date of the accident. If you do not file your personal injury claim within four years, your case will be dismissed and you will lose any opportunity to recover compensation for your injuries.

We hold the at-fault party accountable for your injuries

At Ged Lawyers, LLP, our skilled Boca Raton accident lawyers are passionate about helping injured accident victims and holding the at-fault party accountable. Recover the compensation you deserve for your injuries by contacting a member of our team today. We are available to discuss your case, answer your questions, and advise you of your legal options. Schedule a confidential consultation online or by contacting our office directly at 844-443-3529.