What Happens If You Are Hit By A Driver Without Insurance?

hit by a driver without insurance

The insurance company of the driver at fault typically covers damages and injuries in many bicycle accidents across Florida. However, with 25% of drivers in Florida having little or no insurance, the situation becomes significantly more complicated if a driver hits you without insurance. It may be hard to determine the amount of coverage you need to cover your damages and injuries under such circumstances. If you find yourself wondering how to get compensation for injuries after being hit by a driver without insurance, you may feel hopeless or stuck. However, there are options available. A lawyer with experience in bicycle accidents will be able to help you navigate the complexities of seeking compensation under these challenging conditions. They can guide you through the process of making claims against your own insurance policy under uninsured motorist coverage or explore other avenues to secure the funding you need to deal with your injuries and damages.

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Your auto insurance policy can be helpful:

You may be able to access coverage if you own your own auto insurance in case you’re hit by an uninsured driver or a driver who is underinsured when you’re on your bicycle. If you’re involved in a cycling accident, you may be able to access coverage if the driver is underinsured.

Uninsured And Underinsured Coverage

You can get coverage for underinsured and uninsured drivers, which is crucial protection, considering a driver might hit you without insurance. This addition to the auto insurance you already have provides an extra level of security. By adding this coverage to your auto insurance policy for a small cost, you ensure that you are protected in accidents involving drivers who carry only the minimum insurance coverage or, more critically, those with no insurance.

Most people do not understand the importance of this coverage and often omit it from their insurance policies, leaving themselves vulnerable if hit by a driver without insurance. If you find yourself without this coverage, you must call your insurance provider and ask them to add it immediately. Experts recommend carrying at least $100,000 of coverage for uninsured and underinsured motorists to ensure that your medical expenses and damage are fully covered, providing a safety net in such stressful situations.

To prepare yourself for the worst-case scenario, such as being hit by a driver without insurance, take a moment to review your policy. Contact your insurance company to add this indispensable coverage. Your insurance company will determine The minimum coverage amount, usually ranging from $10,000 to $30,000. By opting for a higher coverage level, you can protect yourself against any injuries or damages incurred in such incidents, ensuring peace of mind on the road.

Understanding the impact of insurance coverage after a bicycle crash

After A Crash, You May Be Faced With High Medical Bills

It’s likely that if you were hit by a vehicle while on a bicycle, you’ll be faced with thousands of dollars worth of medical bills. These accidents can lead to a long hospital stay, and even months of recovery. It is difficult to work with an insurance provider in order to get the compensation that you deserve for your injuries, especially if the driver at fault has minimal insurance coverage.

Use of UM and UIM Coverage

You can use your own policy’s UM (Uninsured Motorists) or UIM coverage to cover the costs if you are injured by a driver who does not have adequate insurance. You could receive tens of thousand of dollars for your medical expenses if you have the right insurance coverage.

Florida Cyclists: What are the risks?

Florida cyclists face a high risk of accidents, as around 25% of drivers have only minimal insurance coverage or none at all. UM and UIM coverage will not increase your insurance rates but it can provide vital protection in an accident.

Claim UM or UIM coverage: Challenges

You may wish to seek legal advice if you have difficulty claiming your UM and UIM coverage. In the event of a UIM claim or UM, your insurance company will represent you as the driver at fault. After an accident, the company where you bought your insurance will determine how much coverage you have or compensation that you are entitled. Insurance companies will often try to reduce the compensation they have to pay.

What Is The Role Of Professional Legal Assistance?

A professional lawyer with experience in bicycle accidents will help you to receive all the benefits that you deserve. Do not accept compensation that doesn’t cover your injuries or damages. If you are involved in an accident and the driver at fault does not have adequate insurance, contact your insurance provider to obtain UM or UIM insurance.

Book A Free Consultation With Your Trusted Attorney

We at Bonardi & Uzdavinis understand that navigating through the legal system is often difficult and intimidating. We strive to be your trusted legal advisor. Call us now to receive a free consultation.

Bonardi & Uzdavinis is a full service law firm that combines excellence with personalized service. We are a team of dedicated and passionate attorneys who are committed to providing our clients with the highest quality legal representation. We have served the legal needs for individuals and companies with an unwavering dedication, based on integrity, expertise, and client-centricity.

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