I Was Hit by an Uninsured Driver - Can I Sue Them? By Chanfrau & Chanfrau on June 16, 2023

A woman in a neck brace talking to an attorneyDeland car accidents can result in serious injuries and significant damage to vehicles. Usually, insurance helps pay for damages, but when the at-fault driver is uninsured, it can be difficult to recover sufficient compensation.

You may be thinking, “I was hit by an uninsured driver - can I sue them?” Our Daytona Beach, FL, and Palm Coast, FL, attorneys of Chanfrau & Chanfrau explain how the answer isn’t so straightforward.

At Chanfrau & Chanfrau, our attorneys can help navigate the sometimes complicated process of recovering compensation from uninsured drivers. We welcome you to schedule a consultation to learn more about how we can help you.

Florida and Car Insurance

Before seeking compensation from an uninsured driver, it’s helpful to have a general understanding of how car insurance works in Florida.

Florida follows a “no-fault” car insurance system. This means that each driver’s own car insurance will cover them and anyone covered in their policy. Further, Florida requires drivers to carry personal injury protection (PIP). PIP covers medical expenses and other financial losses, but it does not provide compensation for pain and suffering, or other non-monetary damages related to the accident.

When it comes to vehicle damage, the no-fault insurance system doesn’t apply in Florida. Instead, a liability claim can be made against the at-fault driver’s insurance.

What If the At-Fault Driver Doesn’t Have Insurance?

If the at-fault driver doesn’t have car insurance, recovering compensation for non-monetary damages, like pain and suffering, and medical expenses exceeding your PIP coverage can be more challenging.

One option you may be considering is suing the uninsured driver. Let’s take a look at why this may or may not be the best option.

Can I Sue an Uninsured Driver?

Yes, if you’ve been hit and injured by an uninsured driver, you can sue them to try to recover compensation for injuries exceeding your PIP coverage, as well as other losses associated with the accident and injuries.

If pursuing litigation, you must be prepared to prove the uninsured driver was negligent and their negligence caused the accident, which caused you to suffer damages.

However, before suing an uninsured motorist, it’s important to consider whether or not it will be worth it. If the uninsured driver has few or no assets, it will likely be very difficult to collect any compensation you’re owed. Without insurance, there’s no guarantee you’ll ever see the money you’ve been awarded in a lawsuit. This can make suing an uninsured driver a waste of your time and money.

Speaking with an attorney is important when weighing whether or not it’s worth suing an uninsured driver.

Other Ways to Recover Compensation

Suing an uninsured motorist isn’t always the best option for recovering compensation for injuries and other damages. Fortunately, there are other options that can help, such as:

  • Filing an injury claim with your own PIP plan
  • Use your own collision coverage
  • Carry uninsured motorist insurance at all times to protect you if you’re hit by an uninsured driver

Contact the Attorneys of Chanfrau & Chanfrau

If you have been hit by an uninsured driver, we encourage you to schedule a consultation with our Daytona Beach attorneys to discuss your options for recovering compensation for your injuries.

Related to This

Attorneys at Chanfrau & Chanfrau

Chanfrau & Chanfrau

Chanfrau & Chanfrau has been serving Floridians in Daytona Beach and the surrounding areas since 1976. With three attorneys and two locations, we have the resources to help you after an accident or injury. We are proud of our many achievements, including inclusion in:

  • America's Top 100 Attorneys
  • The National Trial Attorneys Top 100 List
  • Florida Trend's Florida Legal Elite

For more information about our legal services, contact our firm online or call (386) 258-7313 today.

Contact Our Practice

Rate, Review & Explore

Social Accounts Sprite
Google map image of our location in 701 N Peninsula Dr  Daytona Beach, FL

Daytona Beach Office

701 N Peninsula Dr
Daytona Beach, FL 32118

Open Today 24 hours

Open 24 hours

Google map image of our location in 145 Airport Rd Ste A Palm Coast, FL

Palm Coast Office

145 Airport Rd
Ste A
Palm Coast, FL 32164

Open Today 24 hours

Open 24 hours

Google map image of our location in 100 E New York Ave Ste # 103-R DeLand, FL

DeLand Office

100 E New York Ave
Ste # 103-R
DeLand, FL 32724

Open Today 24 hours

Tell us a bit about yourself...

(386) 258-7313 Send a message