Dealing with Uninsured Motorists: Steps to Take Following an Accident
Driving is a responsibility, and with it comes the obligation to have valid insurance. However, data from the Insurance Research Council reveals that approximately one in every eight drivers in the United States needs this essential coverage. 12.6% of this country's 228.6 million licensed drivers either don’t have insurance or enough coverage. If you are involved in an accident with one of these people, it can lead to stress and uncertainty—especially when it concerns paying for your medical bills and property damage.
Your Options in an Uninsured Motorist Accident
Being in an accident with an uninsured driver puts you in a unique position. You may:
File a claim with your insurance company: If you've secured uninsured motorist coverage, your insurer will cover your medical and property damage costs up to your policy's specified limits.
Seek legal action against the uninsured driver: It's possible to sue the uninsured motorist for damages. However, they might not have the financial assets to address a judgment if they lacked insurance.
Leverage the Florida Uninsured Motorist Fund: This state-administered fund assists accident victims of uninsured drivers. Yet, it's vital to be aware that there are stringent eligibility criteria, and the coverage might be limited.
Post-Accident Steps
Call law enforcement immediately: Even if damages seem minimal, having an official report can benefit future references.
Exchange information with the other driver: This includes their name, contact details, license plate number, and driver's license details.
Document the scene: Photos are powerful tools. Take pictures of the damages, injuries, and the overall scene. This applies to the traffic signs, traffic lights, and road conditions.
Engage witnesses: If anyone witnessed the accident, get their contact information.
Report to your insurance provider: Inform them about the accident as soon as you can do so and provide all necessary details.
Seek legal advice: If you sustained any injuries, consult an attorney to discuss possible next steps.
How The Law Offices of William C. Robinson Can Assist You
For those faced with the repercussions of an accident involving an uninsured driver, The Law Offices of William C. Robinson stands ready to offer guidance. We can assist you through the claim process and pursue legal action if necessary. Our commitment is to justice and ensuring you receive the compensation you deserve.
Extra Tips for Managing Uninsured Motorist Situations
Stay Prepared: Keep essential documents like your insurance card in your car.
Stay Alert: Observe other drivers and their behaviors, ensuring you can react promptly to any erratic movements.
Consider Uninsured Motorist Coverage: If you haven't already, consider adding this coverage to your insurance. It can be an invaluable asset in these situations.
Don't hesitate to reach out if you are in this challenging situation. Contact The Law Offices of William C. Robinson for a free consultation. We're here to provide the guidance and support you need.
