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While most states require a minimum amount of liability insurance to be carried by motorists, the Insurance Research Council’s report of uninsured motorists (2001) estimates that 14% of motorists in the U.S. do not carry auto accident insurance. That means that if you are involved in a car accident, there is a 1 in 7 chance that the at-fault driver is uninsured. And this does not take into account the extreme disparity between states, which may make your chances of being involved in an accident with an uninsured motorist much more likely in one state than another.
Contacting a car accident attorney with experience handling uninsured motorist car wreck claims may help you receive fair compensation if you are involved in a collision with an uninsured motorist. A skilled Delray Beach uninsured motorist accident lawyer will know how to read your insurance policy and determine the right course of action to help you receive the recovery you are entitled to.
Every driver, regardless of their insurance coverage, has the same duty to keep others safe while behind the wheel. The point of insurance is to have a shield against personal liability for damages someone may cause in an accident. An at-fault driver without insurance is personally liable for the totality of someone’s losses, including medical bills, lost wages and pain and suffering
Regardless of whether involved drivers have insurance coverage, you must prove fault for a crash to obtain compensation. For example, an uninsured driver may be negligent because they were violating a speed limit or failed to stop at a red light at the time of a collision. Even if a driver did not actively break the law, they could also be at fault because they were distracted by eating behind the wheel or changing radio stations. Proving this fault is the first way in which a Delray Beach accident attorney could help you determine your legal options for achieving compensation, even if the negligent party is an uninsured motorist.
Even if you carry auto accident insurance, recovering the damages from a car accident can be difficult if the person who caused your injury does not carry liability insurance or is underinsured and cannot cover the full cost of your damages. In most cases, a driver is uninsured for economic reasons. That is, they do not carry auto accident insurance because they do not have the financial resources to do so. If you pursue legal action against an uninsured motorist for your damages and injuries, even if your case is successful, you may still be responsible for covering your accident-related expenses if the uninsured motorist does not have the financial means to compensate you.
If the motorist who caused the accident you were involved in does not carry auto accident insurance, it is not impossible for you to recover damages. Many insurance carriers offer uninsured motorist coverage. In some states, this coverage is mandatory, but this is not the case in Florida. This coverage allows you to collect damages from your insurance company in the event that you are hit by an uninsured or underinsured motorist. In this instance, your insurance company under your Uninsured Motorist coverage “steps into the shoes” of the uninsured at fault driver. It is important to contact an experienced accident attorney soon after a car accident, as he or she may know about some coverage that you are unaware of. Sometimes, a Delray Beach accident attorney may be able to pursue legal action against a plaintiff’s insurance company for damages caused by an uninsured motorist.
State law requires all drivers to obtain insurance policies that provide a minimum level of protection. Unfortunately, in Florida, the law does not require drivers to carry liability insurance. That is why it is so important, if you can afford it, to obtain Uninsured Motorist coverage on your auto policy.
In both scenarios, an at-fault driver could be personally responsible for any uncovered damage. A Delray Beach uninsured motorist accident lawyer could initiate a civil lawsuit against negligent drivers and investigate whether an uninsured person has assets that can be obtained as compensation. Please note that this is an extremely difficult case.
The skilled and experienced injury attorneys at Aronberg & Aronberg are prepared to exhaust all options to get the compensation you deserve. Schedule a free consultation with our personal injury firm to discuss the details of your case.
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