What Happens If You Get Into a Car Accident Without Insurance?

What happens if you get into a car accident without insurance
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If you get into a car accident involving a motorist without insurance, you might still recover compensation. You may recover awards through:

  • Your regular insurance coverage
  • Uninsured motorist coverage, which Florida Statutes § 627.727 requires every auto insurance company to offer customers
  • Underinsured motorist coverage
  • A lawsuit

You may not generally receive compensation through the liable motorist’s insurance policy – they do not have one.

How do We Decide Whether to Seek Insurance Coverage or File a Lawsuit?

For clients harmed by an uninsured motorist, we complete a comprehensive review of their case. Whether we file an insurance claim or a lawsuit may generally depend on:

  • Whether you have uninsured or underinsured motorist coverage
  • What your coverage limits are
  • How your coverage limits compare with your losses

If uninsured or underinsured motorist coverage will not cover your accident-related losses, we might file a lawsuit.

What Losses May an Uninsured Motorist Have to Cover?

An uninsured motorist might have to cover any loss caused by your accident. Assuming that the uninsured motorist is completely liable for your accident, they may be completely liable for your accident-related damages.

Some losses that may entitle you to compensation are:

  • Vehicle damage: A liable party’s insurance policy generally covers property damage. When the liable party is uninsured, your lawsuit or your own insurance coverage may cover vehicle repairs.
  • Lost wages: Any wages you lose because of accident-related injuries may entitle you to an award.
  • Pain and suffering: Car accident lawsuits generally consider pain and suffering. This may include traumatic memories, psychological conditions, and bodily injury, among other forms of harm.
  • Lost earning power: Lost earning power can stem from reduced hours, a required change of jobs due to a disability, or other circumstances that harm your ability to earn.
  • Healthcare costs: Medical expenses related to your accident are generally the responsibility of the liable motorist. You may receive full coverage of your medical care through your lawsuit or your own insurance coverage.

Did your loved one pass away because of a car accident with an uninsured motorist? You may receive other forms of compensation. Funeral costs, the deceased’s pain and suffering, lost spousal support, lost parental guidance, and lost financial support may be recoverable losses.

Why Florida’s No-Fault Status May Matter for You

Florida Statute § 627.7407 details the state’s No-Fault Law. This law requires motorists like you to carry certain insurance coverages, including at least $10,000 for personal injury protection (PIP) and property damage.

Florida requires a motorist’s own insurance to pay for losses up to those coverage limits. Therefore, even if an uninsured motorist caused your accident, your own insurance may cover your damages.

When your own insurance coverage is not sufficient to cover your losses, though, we will consider other actions. We may file a lawsuit to pursue fair compensation from the liable motorist.

To consult with an experienced car accidents lawyer today, call 855-686-6752

How Can a Lawyer Help After Your Accident?

Hiring your lawyer should be a priority if you get into a car accident with an uninsured driver. Your lawyer can be helpful because:

  • They understand both insurance claims and lawsuits, and can determine which option is most appropriate for your case
  • They may have experience handling other uninsured motorist cases
  • They can handle every step of your case

Choosing to hire a lawyer means respecting your health. While our firm completes every step of your case, you can receive treatment, rest, and recover.

What Can a Lawyer Do for You?

Car accident cases may take time to resolve. Our firm will oversee your case throughout its life, ending our service to you only when your case is finished.

Some of the duties we generally complete for car accident victims are:

  • Assistance with case-related appointments
  • Defense of your rights
  • Collection of evidence
  • Documentation of your damages
  • Valuation of your damages
  • Collaboration with experts
  • Witness interviews
  • Completing case-related paperwork
  • Handling case-related communications

We handle insurance companies for you. If attorneys become involved with your case, we will deal with them as well. Should we file a lawsuit for you, our goal is generally to settle.

The American Bar Association (ABA) explains that personal injury cases generally settle (rather than going to trial). A settlement may provide an acceptable outcome for every party involved in your case.

What Is the Cost of Hiring Our Firm?

Your out-of-pocket cost to hire our firm is nothing. We accept car accident cases when the victim has a worthy case. Our firm receives a percentage of your settlement, judgment, or insurance recovery. If we do not win, you owe us nothing.

Call Bogin, Munns & Munns to Atart Your Car Accident Case

Florida’s statutes of limitations may determine how long we have to file your case. You should not wait before contacting our team. If the deadline for your case expires, we may not be able to pursue the compensation that you otherwise deserve.

Call Bogin, Munns & Munns today at 407-578-9696 for a free case review.

Call or text 855-686-6752 or complete our Request a Consultation form

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Request a consultation by filling out the form below, or call us at 855.686.6752. We have over a dozen offices located in Orlando and across Central Florida. We’re happy to answer any of your questions.