All drivers in Florida are typically required to carry car insurance, but this mandate does not always stop some drivers from failing to pay their insurance bills and allowing their insurance coverage to lapse. An uninsured driver is just as likely to be involved in an accident as an insured driver, and serious problems may arise if you are involved in an accident caused by another driver who does not have valid car insurance. A West Palm Beach uninsured car accident lawyer could help you evaluate your options in this potentially difficult situation and advocate for your right to recover fully from the negligent or reckless driver.
Depending on the circumstances, a dedicated car accident attorney may be able to help you hold an uninsured driver legally responsible for paying for your injuries and losses. Another person’s negligence during a car accident could produce significant injuries and medical bills. Compensation in such a case may substantially help a person address their financial concerns.
Insurance Laws Applicable to West Palm Beach
Florida requires all drivers to maintain a certain level of insurance coverage. In West Palm Beach, drivers are typically required to maintain:
- $10,000 in personal injury protection, also known as PIP coverage
- $10,000 in property damage liability coverage, also known as PDL coverage
A driver may also be required to purchase bodily injury liability coverage if they have a poor driving record. Drivers generally have the option of purchasing uninsured motorist coverage, which could help in the case of uninsured driver accidents.
However, Florida also is often considered a “no fault” state, which means that it is generally the driver’s own insurance that kicks in to cover the cost of damages and injury. Unfortunately, the insurance company may only pay a percentage of the actual cost of the damages. A West Palm Beach uninsured car accident attorney could provide an injured driver with advice and assistance with recovering the remainder of the compensation to which they may be entitled.
A Lawsuit Against the Uninsured Driver
If the driver responsible for an accident is uninsured, a lawsuit against that party may be the only way for the innocent driver to receive full compensation for their damages. An uninsured car accident lawyer in West Palm Beach could help bring an uninsured motorist case through the legal system—whether in the form of arbitration or litigation in court—in order to establish the innocent party’s right to recover damages.
In many circumstances, however, it may be difficult for the uninsured driver to pay compensation potentially ordered by a judge. If the individual failed to maintain proper insurance, it is common that they may have financial difficulties that could lead to them being unable to pay damages either. If this is the case, a qualified attorney could advocate for:
- Installment payments over time
- Asset liquidation, if the responsible party has valuable assets
- Wage garnishment
- Bank account garnishment, if the responsible driver has the funds but simply refuses to pay
In addition to the injured party’s right to monetary recovery, a judge may order that the uninsured driver’s license be suspended or revoked for a set period of time, or until the claimant has received full compensation. Before agreeing to any legal terms, a person may find it advantageous to meet with an accomplished West Palm Beach uninsured car accident lawyer.
Contacting a West Palm Beach Uninsured Car Accident Attorney
If you were involved in an accident with an uninsured motorist, the assistance of a West Palm Beach uninsured car accident lawyer could be the key to gaining full and fair compensation from the responsible party. The process for recovery in these cases is often more difficult than other car accident cases, however, a proactive injury attorney could fight tirelessly to ensure a positive outcome in your case. Call today to get started on your case.