What If The At Fault Driver Doesn’t Have Insurance?
Florida ranks second in the nation in uninsured motorists. The latest statistics released by the Insurance Information Institute indicates that close to one-quarter of drivers in the state are uninsured. With this high percentage of uninsured drivers, you have a good chance of being injured by a driver without the resources to cover your damages.
Fowkes & Hasanbasic, Accident and Insurance Lawyers. is a well-regarded auto accident law firm that handles all types of accident cases for clients throughout Florida. We focus on car, truck and motorcycle accident recovery. You should not get stuck with the bills because an irresponsible driver refused to carry the legal minimum insurance. Our lawyers think strategically and creatively. If there is a solution, we find it.
How We Can Help
Although getting hit by an uninsured motorist is discouraging, you may have options. Most uninsured motorists also lack assets, making the collection on a judgment unlikely in most cases. Our lawyers, therefore, review other sources of compensation.
First, we consider your insurance policies. You may have more rights to coverage than you realize. Our goal is to recover the maximum amount available to you under your policies.
Next, we determine whether you have a valid claim against a third party that contributed to your crash. For example, did a construction company spill debris into the road that caused the other driver to swerve? Was a potholed road partly to blame for the collision? Or, did your airbags not deploy as they should have?
In addition, our Trinity uninsured motorist attorneys are skilled negotiators who can often convince your medical providers to substantially reduce your medical bills.
Florida requires drivers to carry a minimum of $10,000 in personal injury protection (PIP) with up to a $1,000 deductible, and $10,000 in property damages with up to a $500 deductible. PIP covers your medical bills, lost wages and car repair costs resulting from your car crash. Since Florida is a no-fault state, you can collect on PIP even if you caused the crash.
However, hospital treatment, doctor’s visits, rehabilitation and other medical expenses may quickly exceed your PIP coverage. Also, your out-of-pocket deductible can be a burden and seem particularly unfair if the accident was not your fault.
Even those drivers who carry the legal minimum PIP insurance may still fall far short of covering your damages. These drivers are considered underinsured. If the at-fault driver does have assets or a good job, we may pursue a lien on property or wage garnishment to recover damages.
Hit-and-run accidents are treated like uninsured motorists claims. After all, the result is the same: you cannot pursue the insurance of the at-fault driver. Our firm, therefore, applies similar uninsured motorist recovery tactics to hit-and-run cases if the culprit is never caught. If police do capture the hit-and-run driver, we pursue his or her insurance and assets.
Consult with Our Uninsured Motorist Attorneys
Fowkes & Hasanbasic, Accident and Insurance Lawyers represents injured clients throughout Florida. We recover damages in accident cases involving uninsured, underinsured and hit-and-run drivers. Contact our firm to schedule your free consultation. Since we handle your claim on contingency, you do not owe us attorneys’ fees until we recover damages for you – you have nothing to lose by calling.
Our main office is located in Trinity, FL (Pasco County), but we handle cases throughout the Tampa Bay area and all of Florida.