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A Tampa Car Accident Lawyer Discusses What To Do When You Are In An Accident With An Uninsured Driver
Being in a car accident can leave you with significant injuries as well as damages to your motor vehicle. When the accident is not your fault, you will seek reimbursement for your injuries and damages from the at-fault driver's insurance company. But what happens if the other driver does not have insurance, or has insurance but not in an amount great enough to cover your losses? This is a scenario that a Tampa car accident lawyer encounters far too often as Florida ranks sixth out of all states for having the most uninsured motorists.
File a Claim Under Your Uninsured Motorist Coverage
When you purchase your own automobile insurance, it is always our advice to purchase uninsured motorist coverage. Although not required by Florida law, uninsured motorist coverage can be extremely beneficial when you are in an accident with an uninsured driver. It will pay for any losses you sustain as a result of the actions of the uninsured driver (up to policy limits). It is important to notify your insurance company as soon as possible after the accident occurs as there may be mandatory timelines that must be adhered to.
Pursue the At-Fault Driver
If you do not have uninsured motorist coverage, or if your coverage does not fully cover your losses, you may be able to pursue compensation from the at-fault driver. Unfortunately, many of these drivers do not carry insurance because they are unable to afford it, which is an indicator that they do not have funds or assets in an amount large enough to cover your injuries and damages. There are cases, however, where pursuing the at-fault driver is a viable option for your recovery. When this happens, you will need to consider filing a lawsuit and recovering the amounts you are owed by utilizing one or more of the following options:
- Obtaining a levy to seize their personal property
- Obtaining a judgment against them for the amount you are owed
- Garnishment of the at-fault driver's bank account
- Garnishment of the wages earned by the at-fault driver
- Suspension of the at-fault driver’s driving privileges until you are reimbursed
- Setting up a payment plan for the at-fault driver to reimburse you
Consult With A Tampa Car Accident Lawyer About Recovering For Your Injuries
Pursuing recovery from an uninsured motorist can be frustrating and difficult to accomplish for someone not experienced in this area. When this happens, a Tampa car accident lawyer from our firm, Alley, Clark & Greiwe, can help. Although every case is different, our attorneys may be able to help in the following ways:
- Determining whether or not the at-fault driver has sufficient assets to make it worth your while to pursue them for compensation
- Filing the necessary pleadings for you to obtain the amounts you are owed
- Negotiating with the at-fault driver, any insurance companies that are involved, as well as any opposing counsel
- Negotiating a lump sum or periodic payments on your behalf
You may contact us via our contact page or by calling 1-800-840-0977 and the initial consultation is free.