No License. No Insurance. Who Pays for Your Injuries?
More than two million Florida drivers have had their licenses suspended or revoked. Yet many suspended drivers continue to drive despite facing harsh penalties if they are caught. What happens when an unlicensed driver causes a Boca Raton car accident?
Because Florida is a no-fault state, your own personal injury protection or PIP coverage will pay up to $10,000 of your medical bills. However, in order to receive the full $10,000 of medical care, you must see a doctor within 14 days of your accident and have your injury classified as an "emergency medical condition."
Ten thousand dollars sounds like a lot, but it will not cover the cost of a serious injury. The average cost of an overnight stay in the hospital is $3,612. If you have to stay three nights, you have used up your PIP coverage. What about medication, follow-up care, and physical therapy? What about your lost wages? Expenses after a Boca Raton car crash can add up quickly.
In most cases, these additional costs are covered by the at-fault driver's insurance. However, one of the leading causes for license suspension in Florida is a lack of insurance. What can you do if the driver who caused your injuries is uninsured? If you have uninsured/underinsured motorist insurance, you will be able to recover additional compensation for your injuries, lost wages, and pain and suffering up to the limits of the policy.
There may be one more option for compensation. In most cases, the owner of a car is not liable for an accident that occurs when another driver uses his car. However, a car owner who knowingly lends his vehicle to a driver with a suspended license is behaving negligently. He may be held liable for any injuries caused as a result.
If you are injured by an uninsured driver, your first step should be to speak with a Boca Raton accident injury lawyer. Your Florida accident attorney will investigate your Boca Raton car wreck, determine who is liable for your injuries, consider every available avenue for compensation, and negotiate with the insurance companies on your behalf. For more information, request a free copy of The Florida Accident Workbook: Tools, Tips & Tactics to Resolve Your Injury Claim. To schedule a free consultation, contact David Glatthorn at 866-413-5525.