What to Do When You Get in a Car Accident with an Uninsured Driver

Car accidents are stressful, and they can become even more stressful if you discover the person who hit you is an uninsured driver. Car insurance is legally required in Florida. Florida is a no-fault state, which means regardless of who is at fault, your own personal injury protection insurance will step in to provide you with a means to pay for medical expenses incurred as a result of the accident, typically up to $10,000. You can also have purchase protection through your own insurance, prior to an accident, to have UM coverage, or Uninsured/Underinsured coverage. This allows you to make a claim for your injuries in the event the at-fault driver has no or insufficient insurance coverage for your injuries. Unfortunately, there are still people on the road who don’t have car insurance. In fact, according to the Insurance Research Council, about one in eight drivers doesn’t have car insurance.

If the person who hit you is at fault for the accident, what do you do? Our experienced Florida car accident attorneys at Harris Guidi Rosner, P.A. share how to handle a car accident with an uninsured driver, so you won’t be overwhelmed or confused. 

Step 1: Call the police. A police report can help sort out what happened for the insurance company to review during their claims process. 

Step 2: Do not accept money from anyone. Your car has not been assessed yet, so you have no idea the extent of the damage and the costs involved. 

Step 3: Swap information. Get the other driver’s contact information and vehicle information. If there were witnesses to the accident, get their contact information as well. 

Step 4:  Write down details. Make sure to get the details of the other driver’s car, time of the accident, location of the accident, the name and badge number of the responding officer, and any other details about the accident that you can share with your insurance company. 

Step 5: Take photos. You want to take pictures of all damage to your car and the other driver’s car and license plate. You should also take pictures of the entire car accident scene, traffic lights, and signs. 

Step 6: Contact a car accident attorney. Whether the other party is insured or not, determining fault in a car accident isn’t always easy. Our experienced Florida car accident attorneys at Harris Guidi Rosner, P.A. can help determine what party is at fault, their duty of care, their breach of duty, the cause of the accident and pursue compensation regardless if the party is insured. 

Hire a Jacksonville Car Accident Attorney

If you have been in a car accident with an uninsured driver, contact our team at Harris Guidi Rosner, P.A. as soon as possible. The sooner you contact us, the stronger your case will be as physical evidence from the accident and witness testimony is crucial to determining who was at fault and resolving any issues. 

If there is not enough insurance coverage available for your claim, it may be time to file a lawsuit. To take this route, you will want an experienced car accident lawyer on your side to help you seek compensation or work out a fair settlement with the insurance agency. When you hire a skilled personal injury attorney, you will understand your car accident case every step of the way.

You can call us for a free consultation and talk to an attorney that same day. The law firm of Harris Guidi Rosner, P.A. has been serving the people of Jacksonville and surrounding counties since 1976.  

To let the Harris Guidi Rosner, P.A. attorneys assist you with your personal injury accident, call 904-777-7777 or click our Jacksonville Personal Injury Lawyer page to learn more. We have many years of experience in personal injury cases. We are based in Jacksonville, Florida.