Navigating the aftermath of an accident is already daunting, but learning that the other driver lacks adequate insurance can amplify your stress and complicate your path to compensation. At DWK Law, we are well-versed in managing these complex cases and are committed to guiding you every step of the way.
Keep reading for more from our skilled Orlando car accident lawyers, then call (407) 244-3000 to schedule a free consultation today.
Assess the situation and ensure safety
Immediately after any accident, you should ensure everyone involved is safe. Check for any injuries and call 911 if medical attention is needed. Safety should always come first before addressing any insurance concerns.
Contact the police
Even if the accident seems minor, having a police report can be invaluable, especially when dealing with an uninsured or underinsured driver. The report documents the incident and includes the officer’s initial assessment, which can be crucial if you need to file a claim. Under Florida law, you must report any accident involving significant damage, injury, or death.
Exchange information and document the scene
Exchange names, addresses, and contact information with the other driver. Even if the other driver lacks insurance, obtaining their driver’s license and vehicle registration information is critical. Additionally, gather information from witnesses, and photograph the accident scene, vehicle damages, and any visible injuries.
Notify your insurance company
Notify your insurance company about the accident immediately. Under your policy, you may have uninsured motorist (UM) or underinsured motorist (UIM) coverage, designed to cover your losses when the at-fault driver cannot.
Understand your coverage
In Florida, UM and UIM coverage is optional, but it provides valuable protection in cases where the at-fault driver is not adequately insured. It is often said that is the most important coverage you can purchase for you and your family. The reason for this is because there are many uninsured or underinsured drivers in Florida. If you are involved in a serious accident that impacts your ability to earn wages or results in significant medical expenses, those losses are covered in an underinsured motorist claim. This coverage can compensate you for medical bills, lost wages, and other related expenses. Review your policy to understand the extent of your coverage, or consult your insurance agent to clarify your benefits. Most importantly, make sure you purchase as much underinsured motorist coverage as you can to protect you and your family.
Consult with a personal injury attorney
If you’re unsure about how to proceed or if the damages exceed what your UM/UIM coverage can handle, consulting with a personal injury attorney is strongly advisable. Attorneys specializing in auto accidents, like those at DWK Law, can provide you with the necessary guidance and representation to navigate the claims process effectively.
Consider legal action
In cases where the uninsured driver is at fault and you have significant uninsured losses, pursuing legal action might be necessary. Your attorney can advise on the viability of suing the at-fault driver directly, although recovering damages can be challenging if the driver lacks sufficient assets. Your attorney should also provide you with advice early in the process on how best to pursue your underinsured motorist claim; this vital advice could be the difference in pursuing a successful claim.
Stay informed and prepared
Maintain detailed records of all communications, medical treatments, and related expenses. These documents are crucial for your insurance claim and any potential legal proceedings.
Hurt in a crash with an uninsured driver? We can help.
Dealing with an uninsured or underinsured driver in Florida can be a daunting experience, but you are not without options. At DWK Law, we are committed to supporting our clients through these complex situations with expert legal advice and compassionate service. If you face such a scenario, do not hesitate to contact us for assistance. We’re here to ensure you receive the best possible outcome and your rights are fully protected.
