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What if the Other Driver Doesn’t Have Car Insurance?

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What if the Other Driver Doesn’t Have Car Insurance?

Have you been involved in an accident with a driver lacking insurance? The car accident attorneys at Baggett Law Personal Injury Lawyers in Jacksonville are here to help you seek compensation for your injuries.

Despite the requirement for drivers to have auto insurance, encounters with uninsured drivers happen frequently, leading to complex questions about compensation for injuries sustained.

Contact our Jacksonville, Florida, office at (904) 396-1100 for assistance with your uninsured motorist claim. We offer a free initial consultation to discuss your situation.

How Baggett Law Personal Injury Lawyers Can Help with Your Jacksonville Uninsured Motorist Claim

How Baggett Law Personal Injury Lawyers Can Help with Your Jacksonville Uninsured Motorist Claim

In Florida, drivers are required to have auto insurance that covers personal injury protection (PIP). However, not all drivers adhere to this mandate. Encountering an accident with an uninsured driver can add complexity to an already challenging situation.

Navigating intricate legal matters shouldn’t be your primary concern, which is where the support of a knowledgeable and experienced Jacksonville car accident attorney becomes crucial. We’ll take care of the legalities for you.

Choosing Baggett Law Personal Injury Lawyers means you’re opting for a law firm known for its excellence and successful track record. Our lawyers have 80 years of combined experience and have secured tens of millions of dollars for our clients.

Our firm has been recognized with numerous awards for our dedication to clients, including:

  • The 2021 Platinum Client Champion Award from Martindale-Hubbell, their highest accolade for client service
  • An AV Preeminent rating by Martindale-Hubbell
  • Annual recognition by Super Lawyers since 2009
  • Inclusion in Florida Trends Legal Elite
  • Listing among the Top 100 Civil Plaintiff Trial Lawyers in Florida by the National Trial Lawyers

At Baggett Law Personal Injury Lawyers, we believe our clients are entitled to premier legal representation, and we are committed to delivering just that. With us, you’re positioned for the best possible outcome.

Reach out to our law offices in Jacksonville, FL, for a complimentary consultation. Our team will assess your case and suggest initial steps.

How Does the Uninsured Status of the Other Driver Affect You?

Florida operates under a no-fault insurance system, requiring drivers to utilize their own insurance and personal injury protection (PIP) coverage for injury-related expenses, no matter who is at fault in an accident.

Yet, there are specific circumstances where you can claim compensation from the insurance of the at-fault driver, including:

  • When your medical costs surpass the limits of your PIP coverage
  • When your injuries meet the severity criteria defined by state law

Should you encounter an accident with an uninsured driver, your PIP and/or uninsured motorist coverage can be used to compensate for the shortfall. Our lawyers can help you evaluate your best course of action during your free consultation. 

What Is Uninsured Motorist Coverage?

Uninsured motorist insurance primarily addresses economic losses, which are losses with a clear financial impact, such as medical bills, lost wages, and costs for rehabilitation services. However, some policies might cover non-economic losses, too.

Regardless, for grave injuries as outlined by Florida’s regulations, compensation for non-economic damages like pain and suffering, emotional trauma, and loss of companionship is also possible.

Serious injuries under the law include:

  • The loss or severing of a limb
  • Termination of a pregnancy
  • Notable scarring or disfigurement
  • Permanent injury 
  • Any condition that hampers one’s ability to carry out daily activities for 90 days or more
  • Fatalities

Securing the services of an auto accident attorney proficient in insurance laws is crucial to effectively manage these complex issues. Attempting to handle this alone could risk overlooking important legal rights and compensation.

For guidance on how to proceed and to understand the extent of your legal options, reach out to Baggett Law Personal Injury Lawyers for a discussion about your situation.

What To Do Following a Crash Involving an Uninsured Driver in Jacksonville, Florida

In any motor vehicle crash, including those involving an uninsured driver, proceed with the utmost care. Do not let the other driver convince you to avoid documenting the accident because they lack insurance.

Capture photos and/or videos of everything at the scene, such as any injuries, damage to property, the state of the road, and any nearby debris.

Ensure a police report is filed. Officers at the scene will take witness statements. Gather this information for your own records.

Get medical attention to protect both your health and your legal rights. Some injuries might not appear immediately, and proving they resulted from the crash can be challenging if there’s a delay in seeking treatment.

Inform your insurance company about the accident as soon as possible. Your insurance agreement may have specific requirements for accidents involving an uninsured driver.

Seek the expertise of a personal injury lawyer right after the accident. Handling accidents, particularly with uninsured drivers, requires legal assistance.

Our car accident attorneys in Jacksonville are ready to assist you in securing the compensation you need and deserve.

Schedule a Free Case Evaluation With a Trusted Jacksonville Uninsured Motorist Claims Attorney

No matter the insurance status of the other driver involved, you have the right to seek compensation for your injuries. At Baggett Law Personal Injury Lawyers in Jacksonville, our attorneys with experience in uninsured motorist claims are here to help you secure the financial recovery necessary to heal and move forward with your life.

Reach out to us at (904) 396-1100 to arrange a complimentary consultation. Our car accident lawyers in Jacksonville are ready to explain how we can support your case.

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