Generally, if the other car (and/or other driver) has insurance but no bodily injury coverage, then there are two options in terms of recovering money in a case: 1) you can sue the owner/driver of the at fault car personally but oftentimes this is not a practical option as many people with such small coverage do not have assets or income to be worth suing or if you obtained a judgment against them, then they may be able to file for bankruptcy, for example (the sum of the situation is that they are what is called “judgment proof”) or 2) if you have uninsured motorist coverage, then you can make a claim against your own insurance policy for your injuries.
This shows the importance of obtaining uninsured motorist coverage. There are many cases where people have significant injuries but no monies can be recovered as the other person has no insurance or no bodily injury coverage, the other person is “judgment proof”, and the client does not have uninsured motorist coverage. Thus, it is very important to have the uninsured motorist coverage if you are able to afford it in Florida.
If you have been in an accident, please call Drucker Law Offices at 561-483-9199 or 954-755-2120 or 305-981-1561 – Principal office in Boca Raton plus satellite offices in Miami, Coral Springs, Boynton Beach, and West Palm Beach.
Every case is different and must be judged on its merits. It is a good start to get a complementary consultation regarding an accident case in case this happens to you. The advise contained in this blog is intended to be of general matter and not as to a specific situation, so please call a licensed Florida attorney, like the lawyer at Drucker Law Offices, to determine if and how Florida law applies to your case.
