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Insurance provides financial support in the event of injuries or property damage. When someone else’s negligence causes catastrophic injuries, you may need to recover for damages beyond what your own insurance covers. This task may become complicated if the person who caused your injuries does not carry their own insurance.

In accidents involving uninsured motorists, guidance from an experienced car accident attorney could be vital to achieving a positive case result and maximizing the compensation you are ultimately able to receive. From exhausting all applicable insurance options to pursuing a civil lawsuit against the driver who harmed you, a Boca Raton uninsured motorist accident lawyer could be your ally throughout your entire case.

Insurance Coverage Requirements in Boca Raton

Because Florida follows a “no-fault” car insurance system, the first step to recovering financially after getting into an automobile accident is getting to a  physician to have your injuries diagnosed and begin treatment. In Florida, your own auto insurance under Personal Injury Protection (PIP) coverage will pay for your accident-related medical treatment. Under state law, all drivers must purchase at least $10,000 worth of personal injury protection (PIP)

PIP coverage provides reimbursement on a no-fault basis, meaning you do not have to prove someone else’s negligence to make a claim under PIP. PIP allows for recovery of expenses for your medical treatment for losses suffered by the policyholder due to accident-related injuries. PIP coverage should cover at least 80 percent of all reasonably necessary medical expenses, 60 percent of lost work income, and $5,000 worth of death benefits per person.

Making a claim through these insurance policies before filing suit over a car wreck is not just a matter of courtesy—it is typically required by law. A local uninsured motorist accident attorney could offer crucial assistance with the entire insurance claims process, helping maximize available recovery while preserving the right to file suit.

Additional Coverage Offers More Protection

While PIP coverage is required by law, additional coverage options provide protection in the event someone becomes injured in an accident involving other people. Bodily injury liability (BI) insurance covers the medical costs of physical injuries caused by the policyholder’s negligence.

Unfortunately, not everyone chooses to invest in BI coverage and drivers without any insurance are especially reckless on Boca Raton roads. Our legal team recommends all motorists consider uninsured motorist insurance policies that offer protection in the event the policyholder is injured by an uninsured driver.

Filing Suit Against an Uninsured Motorist

If a car accident victim’s insurance does not cover his or her losses, they may be able to seek additional compensation through the at-fault party’s insurance. If the person who caused the wreck does not have insurance, the only option may be to file suit.

Unlike insurance claims, a civil lawsuit requires the person filing suit to prove that their injuries were caused by a named defendant’s negligence. This means proving the defendant’s reckless or careless acts behind the wheel violated the duty all drivers have to act lawfully and responsibly. Assistance from a skilled legal professional could be vital to building a strong claim against an uninsured motorist after a Boca Raton accident. This includes determining what assets the uninsured motorist has and how best to ensure they provide timely payments.

Contact a Boca Raton Uninsured Motorist Accident Attorney for Help

Filing suit against a driver without insurance can be a complicated and frustrating process. Pursuing a lawsuit alone is unfortunately likely to result in a subpar outcome, which could mean having to deal with the financial and personal costs of a vehicle crash all by yourself.

Help is available in situations from a capable and compassionate Boca Raton uninsured motorist accident lawyer. Call Aronberg & Aronberg, Injury Law Firm today for a consultation.