Recovering damages from an accident with an uninsured driver can be a complicated process. Fortunately, there are several options for pursuing a claim against an uninsured driver but it’s important to note that those options can vary by state.
- In Florida, accident victims can file a PIP claim for medical damages, file a claim through their policy’s UI/UIM coverage, and/or even file a lawsuit against the at-fault party.
- In Georgia, accident victims can file a claim through their UM/UIM coverage, file a claim against a third party, and/or file a claim against the at-fault party.
Every car accident is a traumatic experience, and learning that the at-fault party is uninsured only makes your ordeal that much more stressful. You’re already worried about medical bills, lost wages, and damage to your car and other property, and now you don’t know if you’ll be stuck paying for it all out of pocket.
At Farah & Farah, we understand the process of filing a claim after an accident, and we are here to help. We’ve been standing up for the rights of car accident victims across Florida and Georgia for over 40 years. Trust us to fight for the compensation you deserve, even if the at-fault party doesn’t have insurance. Such cases can be complicated, and you deserve the very best in legal representation. Contact us today for a free, no-obligation case review.
An experienced Florida car accident attorney has the experience and resources to get you the compensation you deserve, even if the at-fault party is uninsured. Collecting your damages from an uninsured driver can be done by filing a PIP claim, using your policy’s coverage, or by filing a lawsuit against the at-fault party.
Learn more about the three main options for pursuing a claim against an insured at-fault driver in Florida:
File a PIP Claim
Every driver in Florida is required to carry personal injury protection (PIP) insurance of $10,000 or more. When you are injured in a car accident, you must first file a claim with your PIP policy, regardless of who was at fault or whether the other driver had insurance. If your damages come in under the amount covered by your own PIP insurance, you may receive full compensation from your own policy. You can still choose to file suit for damages not covered under this policy, such as pain and suffering.
Use Your Policy’s Coverage
File a Lawsuit Against The At-Fault Party
You may also file a lawsuit against the uninsured driver. If the uninsured driver does not have the funds to cover any judgment in your favor, a lien can be placed against their future earnings or personal property.
According to data from the Insurance Information Institute (III), nearly one in seven drivers in Georgia lack the minimum mandatory car insurance coverage. If an uninsured driver has hit you, several options are available for recovering damages. You can file a claim through your uninsured/underinsured motorist coverage, file a claim against another party, or file a lawsuit against the at-fault party.
Learn more about how to collect damages from an uninsured driver in Georgia.
File A Claim Through Your UM/UIM Coverage
File a Claim Against Another Party
Often a third party bears some liability for the accident. Even if one driver is uninsured, you may pursue financial compensation against another party. Some defendants that may be legally liable for a crash include other drivers, trucking companies, truck owners or loading companies (if different), car manufacturers, and highway maintenance companies.
File a Lawsuit Against The At-Fault Party
Georgia is a fault-based car accident state. Any party that causes a motor vehicle collision through negligence is legally liable for the resulting damages. A driver can still be held personally liable for accident damages, your medical bills, lost wages, and your pain and suffering.
Hit By a Driver Without Insurance? We Are Standing By to Help
It’s natural to feel overwhelmed in the aftermath of an auto accident. Our team of car accident lawyers is standing by to help you during this difficult time. For over 40 years, our car accidents attorneys have helped motorists across Florida and Georgia figure out their next steps when they’ve been involved in an accident with an uninsured driver.
At Farah & Farah, we put people first, and we won’t charge you anything unless we win your case. Our attorneys have helped secure over one billion dollars for our clients, and we want to help you get the compensation you deserve. Contact us today for a free, no-obligation case review.