{"id":8467,"date":"2023-07-12T18:10:32","date_gmt":"2023-07-12T22:10:32","guid":{"rendered":"https:\/\/www.kogan-disalvo.com\/?page_id=8467"},"modified":"2025-02-27T15:19:35","modified_gmt":"2025-02-27T20:19:35","slug":"what-if-im-in-a-car-accident-with-an-uninsured-driver","status":"publish","type":"page","link":"https:\/\/www.kogan-disalvo.com\/florida-car-accident-lawyer\/what-if-im-in-a-car-accident-with-an-uninsured-driver\/","title":{"rendered":"What if I&#8217;m in a Car Accident with an Uninsured Driver?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.kogan-disalvo.com\/florida-car-accident-lawyer\/what-if-im-in-a-car-accident-with-an-uninsured-driver\/#Does_Florida_Have_Mandatory_Car_Insurance_Laws\" >Does Florida Have Mandatory Car Insurance Laws?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.kogan-disalvo.com\/florida-car-accident-lawyer\/what-if-im-in-a-car-accident-with-an-uninsured-driver\/#What_if_PIP_Insurance_Does_Not_Cover_All_Expenses\" >What if PIP Insurance Does Not Cover All Expenses?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.kogan-disalvo.com\/florida-car-accident-lawyer\/what-if-im-in-a-car-accident-with-an-uninsured-driver\/#Call_Kogan_DiSalvo_After_for_a_Free_Consultation\" >Call Kogan &amp; DiSalvo After for a Free Consultation<\/a><\/li><\/ul><\/nav><\/div>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"364\" src=\"https:\/\/www.kogan-disalvo.com\/wp-content\/uploads\/2023\/05\/iStock-456014081-rear-end-collision.jpg\" alt=\"Two drivers arguing after a rear end collision car accident\" class=\"wp-image-6780\"\/><\/figure>\n\n\n\n<p>The Insurance Information Institute estimates that more than <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-uninsured-motorists\" target=\"_blank\" rel=\"noreferrer noopener\">20% of drivers in Florida are uninsured<\/a>. So, if you suffer injuries and losses in a<a href=\"https:\/\/www.kogan-disalvo.com\/florida-car-accident-lawyer\/what-if-the-other-driver-in-my-accident-was-uninsured-or-underinsured\/\"> Florida car accident with an uninsured driver<\/a>, do not hesitate to hire a lawyer with the knowledge and experience to <strong>negotiate with your PIP and UM insurance carriers<\/strong> to get you the largest available reimbursement from your policy. They will also evaluate your prospects of recovering additional compensation from the at-fault party and any liable third parties.<\/p>\n\n\n\n<p>At <a href=\"https:\/\/www.kogan-disalvo.com\/\">Kogan &amp; DiSalvo<\/a>, if you&#8217;ve been in a <strong>car accident with an uninsured driver<\/strong>, we could guide you through the entire claims process and work to obtain the maximum compensation you deserve. We would also keep you informed of every milestone in your claim as we document the damages you&#8217;ve sustained and strive to maximize your legal recovery.<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-white-color has-text-color has-background\" href=\"tel:5613759500\" style=\"background:linear-gradient(135deg,rgb(206,166,44) 0%,rgb(135,106,2) 91%)\" rel=\"\"> Injured by an Uninsured Motorist? Call Us for a Free Consultation <br>&nbsp;561-375-9500<\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_Florida_Have_Mandatory_Car_Insurance_Laws\"><\/span>Does Florida Have Mandatory Car Insurance Laws?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>All motorists who drive vehicles registered in Florida must carry at least <strong>$10,000 of PIP (personal injury protection) and PDL (property damage liability) insurance coverage<\/strong>. Drivers who fail to carry these minimum coverages can have their driving privileges suspended and their car registrations terminated, and in extreme cases, may face substantial fines and criminal penalties.<\/p>\n\n\n\n<p>The state imposes these requirements to implement its no-fault insurance laws. With no-fault insurance, an <strong>injured driver&#8217;s coverage is the first source of payments for losses<\/strong>&#8211;regardless of who caused the accident. The advantage of no-fault insurance is that it can provide faster reimbursement without litigation.<\/p>\n\n\n\n<p>However, insurance companies are incentivized to pay the least amount of that reimbursement and deny claims for damages that an injured driver is fully entitled to recover. An <a href=\"https:\/\/www.kogan-disalvo.com\/florida-car-accident-lawyer\/\">experienced car accident attorney<\/a> is a driver&#8217;s best resource to recover greater reimbursement from a PIP insurance carrier following any car accident.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_if_PIP_Insurance_Does_Not_Cover_All_Expenses\"><\/span>What if PIP Insurance Does Not Cover All Expenses?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Even a moderate car accident can leave a person with thousands of dollars of medical bills and expenses. When injuries cause them to miss work, they will also lose income from salary or wages and likely experience pain and discomfort while recuperating. Under these circumstances, a driver&#8217;s accident-related expenses can quickly <strong>exceed the limits of their PIP insurance coverage<\/strong>.<\/p>\n\n\n\n<p>If you carry <strong>uninsured motorist (UM) coverage<\/strong>, that insurance will reimburse excess losses up to the limits of your coverage. If an injured driver still has expenses, they can sue the at-fault party. If uninsured, however, they may not have the means to pay a judgment. A knowledgeable car accident lawyer can evaluate the viability of a lawsuit and advise the driver on their options for filing and possibly collecting excess damages.<\/p>\n\n\n\n<p><strong>That lawyer can also investigate the cause of the accident to determine if any third parties might also be liable, including the following<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The at-fault driver&#8217;s employer<\/strong> if the accident happened while they were performing services on behalf of an employer.<\/li>\n\n\n\n<li><strong>Other drivers<\/strong> that made sudden negligent maneuvers on the roadway and caused the at-fault driver to operate their vehicle in a way that led to the accident.<\/li>\n\n\n\n<li><strong>Municipalities that failed to maintain roadways<\/strong> or erect warning signs about road hazards, where unsafe streets and hazards contributed to the accident.<\/li>\n<\/ul>\n\n\n\n<p>The facts and evidence that can give rise to car accident claims against third parties will disappear quickly after an accident. An injured Florida driver who promptly retains an attorney after an accident will always have a better opportunity to secure those claims.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Call_Kogan_DiSalvo_After_for_a_Free_Consultation\"><\/span>Call Kogan &amp; DiSalvo After for a Free Consultation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"364\" src=\"https:\/\/www.kogan-disalvo.com\/wp-content\/uploads\/2023\/06\/kogan-disalvo.jpg\" alt=\"The attorneys at Kogan &amp; DiSalvo in front of their office building\" class=\"wp-image-8027\"\/><\/figure>\n\n\n\n<p>Please <a href=\"https:\/\/www.kogan-disalvo.com\/contact-us\/\">call our Florida car accident attorneys<\/a> at Kogan &amp; DiSalvo after your accident to begin the process of recovering the largest available damages awards from all parties that bear liability for your injuries. We have locations with convenient office hours in <a href=\"\/boca-raton-injury\/car-accident-lawyer\/\">Boca Raton<\/a> and several other locations in Southeastern Florida. Schedule a <strong>free, no-obligation consultation<\/strong>. We also work on a contingency basis, so there are no upfront legal fees.<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-white-color has-text-color has-background\" href=\"tel:5613759500\" style=\"background:linear-gradient(135deg,rgb(206,166,44) 0%,rgb(135,106,2) 91%)\" rel=\"\">Call Now to Speak With an Experienced Car Accident Lawyer <br>&nbsp;561-375-9500<\/a><\/div>\n\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What if I'm in a Car Accident with an Uninsured Driver?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If you suffer injuries and losses in a Florida car accident with an uninsured driver, do not hesitate to hire a car accident lawyer with the knowledge and experience to negotiate with your PIP and UM insurance carriers to get you the largest available reimbursement from your insurance policy. That attorney will also evaluate your prospects of recovering additional compensation from an at-fault party and any liable third parties.\"}}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>The Insurance Information Institute estimates that more than 20% of drivers in Florida are uninsured. So, if you suffer injuries [&hellip;]<\/p>\n","protected":false},"author":46,"featured_media":0,"parent":1992,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_cgt_translated_page":false,"_cgt_alternative_url":"","_cgt_current_language":"","_cgt_original_post_id":0,"_cgt_original_language":"","_cgt_target_language":"","footnotes":""},"class_list":["post-8467","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What If the Other Driver in Was Uninsured or Underinsured?<\/title>\n<meta name=\"description\" content=\"Call the Florida car accident attorneys at Kogan &amp; DiSalvo to recover maximum compensation after your accident with an uninsured driver.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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