Every driver in Florida must carry a minimum amount of auto insurance. However, many drivers do not comply with the auto insurance laws and they drive without adequate insurance coverage. When these drivers are involved in a crash, it may seem as though accident victims do not have any option for claiming compensation. Fortunately, that is not true. If you have been hurt by a driver that did not carry proper coverage, our Fort Lauderdale uninsured motorist lawyer can explain your legal options.
Our Fort Lauderdale Uninsured Motorist Lawyer Explains No-Fault Law
There are many different types of auto insurance motorists in Fort Lauderdale can purchase. All motorists are required to carry a minimum of $10,000 in disability and medical personal injury protection (PIP) benefits. Through this coverage, you can claim up to 60 percent of your lost wages and up to 80 percent of your medical expenses through your own insurance company, making it relatively easy to claim compensation after a crash with an uninsured motorist.
Motorists in Fort Lauderdale are not required to purchase uninsured motorist (UM) insurance, but it is always a good idea. This coverage will protect you if you are hit by a driver that does not carry insurance, or does not carry the proper amount of insurance. If you have this coverage included in your policy, you can claim up to the policy’s limits and claim additional compensation.
Our Fort Lauderdale Uninsured Motorist Lawyer Can Help You File a Claim Against the Negligent Driver
If you were injured by a driver that did not carry the proper amount of insurance, you may be able to file a claim with the insurance company for the at-fault party. To do this, you must meet the serious injury threshold of the state, which typically means exhausting your own insurance coverage. If your own policy does not provide enough coverage to cover the cost of your injuries, you can file a claim against the negligent driver, but you must prove four elements of your case. These include:
- The defendant had a duty of care to act in a reasonable manner that would keep everyone safe,
- The defendant breached that duty by acting carelessly
- The careless action or inaction was the direct cause of the accident, and
- You were injured as a result
Some of these elements are fairly easy to prove. For example, all drivers have a responsibility to keep everyone safe. However, other elements, such as proving an act of negligence, are much more difficult. It is important to speak to a Fort Lauderdale uninsured motorist lawyer that can help you prove every element of your case.
Call Our Uninsured Motorist Lawyer in Fort Lauderdale Today
Being involved in an accident is always scary, but after a crash involving an uninsured driver, you will have many additional concerns. At Rosen Injury Law, P.A., our Fort Lauderdale uninsured motorist lawyer will ensure your rights are always protected while helping you recover the fair settlement you deserve. Call us today at 954-787-1500 or contact us online to schedule a free consultation.