Naples Uninsured Driver Accident Lawyer
Florida Motor Vehicle Accident Lawyers Assisting with Uninsured Driver Claims in Naples
Getting injured in a car accident can be disorienting under any circumstances. When you or somebody you love sustains serious injuries and property damage, it can be particularly devastating to learn that the motorist who caused the collision is an uninsured or underinsured driver. Depending upon your auto insurance policy, you may be able to file an uninsured driver claim, or you may be eligible to file a car accident lawsuit. An experienced Naples uninsured driver accident lawyer at our firm can evaluate your case for you today and can provide you with more information about options for filing an auto insurance claim or determining who you may be able to sue in a car accident lawsuit.
What is an Uninsured Driver Accident in Naples?
Uninsured drivers and underinsured drivers are motorists who do not have sufficient (or any) auto liability insurance to cover the damage they have caused in a crash. While Florida law requires motorists to carry liability coverage, there are drivers on the road who are not in compliance with the law.
In Florida, motorists have the option of purchasing uninsured motorist (UM) coverage and underinsured motorist (UIM) coverage. Florida auto insurance companies must offer $10,000 in UM/UIM coverage per person and $20,000 per accident. Drivers have the option to decline or reject the coverage, so it is not required in the state. Given that recent data shows that Florida has one of the highest rates of uninsured motorists in the country, it is important for drivers to consider UM/UIM coverage. Indeed, some data suggests that nearly 27 percent of motorists on the road in Florida do not have auto insurance.
Liability for a Naples Uninsured Driver Accident
If you do not have UM/UIM coverage, or if your insurance is insufficient to cover your losses, you could be eligible to file a lawsuit. Many uninsured motorists do not have sizable assets to be able to pay for damages, so it will be important to determine whether another party may be liable for the collision. Parties who could be responsible for an uninsured driver accident include but are not limited to:
- Uninsured motorist;
- Employer of the uninsured motorist;
- Owner of the vehicle;
- Driver of another car involved in the collision;
- Owner of the premises where the accident occurred; or
- Designer or manufacturer of a defective vehicle part that caused the crash.
File an Uninsured Driver Accident Lawsuit
If the uninsured or underinsured motorist may be able to pay damages and your injuries are serious enough to warrant a lawsuit, it may be possible to file a civil claim against the uninsured motorist. Yet as we explained above, many uninsured drivers do not have the capacity to cover damages in a crash, but another party could be liable for damages. Whether you are filing a lawsuit against the uninsured motorist or another responsible party, it is critical to do so in a timely manner.
Contact Our Naples Uninsured Driver Accident Attorneys
Were you injured by an uninsured motorist in Southwest Florida? An experienced Naples uninsured driver accident attorney can speak with you today about your options for seeking compensation. Contact Cardinal Law, P.A. to learn more about how our firm can assist you.