Getting into an accident is stressful enough, but finding out the other driver is uninsured can add another layer of worry. In Florida, where drivers must carry Personal Injury Protection (PIP) insurance, several options are available if an uninsured driver hits you.
Here, you can learn more about the options in this situation.
Use your PIP coverage
Florida is a no-fault state, which means that your own insurance is designed to cover your medical expenses and lost wages, regardless of who caused the accident. Your PIP insurance typically covers up to $10,000 in medical costs and lost income, but this might not be enough if your injuries are severe.
File a claim under your uninsured motorist (UM) coverage
If you have uninsured motorist (UM) coverage as part of your auto insurance policy, you can file a claim under this coverage. UM coverage is designed to protect you in situations where the at-fault driver doesn’t have insurance.
It can help cover medical expenses, lost wages and other damages that exceed your PIP coverage. It’s a valuable option that many drivers choose to include in their policies for additional protection.
Consider suing the uninsured driver
While it may not always be the most practical option, you can consider suing the uninsured driver personally. However, this route can be challenging, especially if the at-fault driver does not have the financial resources to pay for your damages. In such cases, even if you win a lawsuit, collecting the awarded amount might prove difficult.
Explore additional coverage options
Review your insurance policy for other applicable coverages, such as MedPay or collision coverage, which might help cover your expenses. Talking to an attorney can also help you navigate your options and ensure you receive the compensation you deserve.
While being hit by an uninsured driver in Florida can be daunting, understanding your insurance coverage and legal options can help you manage the situation effectively.