When The Other Driver’s Insurance Won’t Cover Your Bradenton Car Accident Injuries

Getting injured in a Bradenton car accident is bad enough, but learning that the at-fault driver doesn’t have enough insurance makes things even worse. In Florida, minimum insurance requirements are low, and many drivers don’t carry enough coverage to account for serious injuries.

If you’re facing significant costs and limited insurance coverage, our experienced Bradenton car accident lawyer is here to help. We explain minimum insurance requirements and your options for getting the total amount you need to recover.

Minimum Insurance Requirements Often Fail To Cover Total Bradenton Car Accident Costs

Florida is a no-fault insurance state. Under the Florida Statutes, all drivers must carry Personal Injury Protection (PIP) coverage. This typically pays up to $10,000, regardless of who was at fault for the crash.

Unfortunately, PIP coverage can run out quickly, especially after ER visits, imaging, and follow-up treatment. To make matters worse, bodily injury liability (BIL) insurance is not required unless a driver was previously in a serious crash.

That means many at-fault drivers carry no liability coverage or just enough to meet a minimum policy limit. This can prevent you from getting compensation for:

• Medical expenses beyond the PIP limit;
• Lost income while you recover;
• Long-term disabilities;
• Pain and suffering, which PIP does not cover.

Fortunately, when you suffer serious car accident injuries in Bradenton and the at-fault driver’s coverage fails to cover your losses, there are other options available to help you avoid out-of-pocket costs.

Get The Total Amount You Need To Recover From Car Accident Injuries In Bradenton

When seeking compensation for serious car accident injuries in Bradenton, you are not limited to the at-fault driver’s insurance. Your own Uninsured/Underinsured Motorist (UM/UIM) coverage may cover some of your costs.

Under Section 627.737 of the Florida Statutes, you can also step outside the no-fault system and file a Bradenton car accident lawsuit against the at-fault driver or others involved. A lawsuit is often the best course of action when crash victims suffer traumatic brain injuries (TBI), spinal cord injuries, loss of limbs, and other conditions that cause permanent harm.

Filing a car accident lawsuit through Manatee County Civil Court can help you get the compensation you need to recover from serious injuries. Payments available include:

• Your current medical expenses and any ongoing treatment or rehabilitative costs;
• Lost income during recovery;
• Future losses in income or benefits due to long-term impairments;
• Pain, suffering, and lost enjoyment in life.

You may also be entitled to punitive damages, which is an additional amount that punishes those at fault for particularly negligent behavior.

Contact Our Experienced Bradenton Car Accident Lawyer Today

Car accidents in Bradenton can cause serious injuries and may leave you facing expenses that insurance doesn’t cover. At the Law Office of Steven G. Lavely, we provide trusted legal guidance and take the actions needed to get you the total amount you need to recover. To request an initial consultation, call or contact our Bradenton car accident lawyer online today.

Sources:

leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.7407.html

leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.737.html