In Florida, you might be wondering if you can make a claim to get paid if you get into an auto accident without insurance. Thankfully, you are able to! Even without auto insurance, drivers in Florida are still able to pursue a personal injury lawsuit against the at-fault driver. However, you have to fulfill the requirements outlined by Florida law before you may submit an injury claim.
It is advisable to speak with a skilled west palm beach car accident lawyer right away following a collision. You can better grasp your legal options, obligations, and rights with the assistance of your attorney. You have legal rights even if you are not covered by insurance.
What Happens in Florida If You Get into a Car Accident but Don’t Have Auto Insurance?
You may be concerned that you won’t have enough money to cover all of the costs if you get into an automobile accident in Florida without auto insurance. Thankfully, this is not true.
The lack of auto insurance does in fact imply you’ll probably have to pay for these costs yourself if you have minor injuries in the collision. This can cover the price of any necessary medication, follow-up care, and ER visits.
On the other hand, having health insurance can greatly lessen the financial strain. A significant amount of your medical expenses in the event of an automobile accident may be covered by your medical insurance. It’s crucial to keep in mind that you will nonetheless be accountable for any copays and deductibles specified in your health insurance policy. Following their payment, your medical insurance should kick in and take care of the remaining expenses as per the details of your policy.
What Happens If I Get Catastrophic Injuries in a Car accident?
You might be able to bring an injury claim against the other driver if you have serious or lifelong injuries, such as losing a limb. Since Florida is a no-fault state, regardless of who caused the accident, each motorist usually looks to their own insurance coverage to cover medical costs and lost wages following a collision. This Personal Injury Protection (PIP) insurance coverage is mandated for all drivers.
What can you do, though, because you don’t have insurance? Thankfully, in the event that your injuries are severe enough, you can opt out of the no-fault system even if you do not have PIP insurance. You are only able to do this, though, if you did not cause the collision.
If your injuries satisfy a certain severity level, you may be able to file a lawsuit against the at-fault motorist if you bear less than 50% of the guilt for the collision. You cannot initiate a personal injury claim unless your injuries are deemed permanent or cause deformity or scars. In addition, the victim’s relatives may be able to sue for wrongful death if the accident claimed a life.
It’s critical to realize that filing a personal injury lawsuit is not totally out of the question, especially in states with no fault like Florida. Nevertheless, there are fewer situations in which you can make this kind of claim than in jurisdictions where the no-fault system is not used. In these circumstances, speaking with a knowledgeable Florida auto accident attorney is beneficial. In these situations, your lawyer can help you get paid for lost income, medical costs, and emotional distress.