Serving Jacksonville, Jacksonville Beach, and clients throughout Florida

Florida law requires all drivers to carry insurance for their vehicle, but that doesn’t mean drivers will do that. And, some drivers carry the bare minimum when it comes to injury, which leaves you without adequate coverage for the medical bills, hospitalizations, and even surgeries you may need because of the accident.

The Facts About Florida Insurance Laws

Florida has strict insurance laws for all drivers. They require drivers to not only have car insurance but also Personal Injury Protection Insurance or PIP. This protects individuals in the event of an accident.

PIP also protects drivers, passengers, and other parties injured in a car accident. The minimum amount of PIP accepted under the law is $10,000 for medical and $5,000 for wrongful death.

These benefits are paid out regardless of who was at fault. If you were in an accident, your own PIP insurance would cover up to 80 percent of your medical costs and 60 percent of your lost wages until your benefit maxes out.

Florida does not, however, require drivers to carry uninsured motorist coverage, which protects a driver in the event an accident occurs with an uninsured motorist. Sadly, there are hundreds of drivers on the road in Florida with limited coverage or no coverage.

Uninsured Motorists Liability

If you were in an accident with an uninsured or underinsured motorist, you still have rights. You can file a claim against the driver regardless if they have insurance coverage. Even if they were uninsured, there are other ways to collect compensation.

In order to file your claim, you will first need to prove the driver was liable for your injuries and damages. This requires you to:

• Establish that the driver owed a duty of care
• Prove that the driver breached that duty
• Prove that the driver caused your injuries
• Prove that your injuries resulted in losses – such as medical costs, lost wages, etc.

What Compensation Are You Entitled To?

In these types of cases, compensation will vary greatly. Depending on your injuries, you may be able to get compensation for:

• Medical Costs
• Lost wages
• Loss of earning capacity
• Personal property damage
• Pain and suffering
• Wrongful death

Just because a person does not have insurance coverage does not mean you cannot get compensation. But, to increase the chances of getting a fair settlement, you need to hire an attorney that specializes in underinsured and uninsured motorists.

Contact Our Team of Jacksonville Car Accident Lawyers Today

If you were involved in an accident with an uninsured or underinsured motorist, do not think you have to either turn to your own insurance coverage or think you have no other options.

Our team of Jacksonville accident attorneys at Hardesty, Tyde & Ashton P.A.   will aggressively defend your right to compensation. We have represented victims and their families in these types of complex car accident cases and we work as your advocate to obtain fair compensation from drivers that are too negligent to get insurance coverage.

Contact us today to schedule your free, no-obligation consultation. There is no cost to meet with us and if you choose our law firm, there is no fee until we win your case.