Nov 6

The News I Least Like Sharing With My Car Accident Clients


car owner's liability after car accidentMany of my clients come to me hurt and confused after a car accident. They were living their normal life when, all of a sudden, their life changed because of a car accident. Whether it is days, months, or years, a car accident can be an upheaval in someone’s life – all because another driver was not paying attention. They want answers. Who is going to pay for their medical bills? Lost wages? How can they hold the at-fault driver responsible for changing their normal life?

I recently had a similar meeting with a family I have known for years. They were sitting at a red light when they were hit from behind with such force to propel their vehicle into the car in front of theirs. All three of the family members were hurt in the car accidents. They needed guidance in holding the at-fault driver responsible for the crash. We opened the cases and began our investigation. Unfortunately, our investigation showed the at-fault driver did not carry any bodily injury liability coverage on his car insurance policy. Also, the family did not carry uninsured motorist coverage on their car insurance policy. After an asset check on the at-fault driver, I knew that I had to share the news with this great family – that because there was no bodily injury liability coverage and no uninsured motorist coverage, there was little I could do to make sure all their medical bills and lost wages were paid or hold the driver responsible for the damages he caused in this car accident.

Until Florida law changes, carrying uninsured motorist coverage is crucial to protect you and your family after a car accident. Right now, the law does not require all drivers to carry bodily injury liability coverage. That means if they cause a crash, there is no insurance coverage to protect those injured because of the driver’s negligence. Yes, the injured person can bring a lawsuit against the at-fault driver, but if the at-fault driver didn’t have the money sense to carry bodily injury liability coverage on his car insurance policy, it is highly unlikely that the at-fault driver will have the financial means to pay a judgement after a jury trial. This is why uninsured motorist coverage is so important.

If you carry uninsured motorist coverage, you and your family are protected by this bad law that allows drivers to drive without bodily injury liability coverage. This coverage stands in the shoes of the at-fault driver and provides insurance coverage for your medical bills, lost wages, pain and suffering and other losses from a car accident caused by an uninsured driver. Had the wonderful family I met with a few weeks ago carried uninsured motorist coverage, I would have been able to help them adjust to their new normal from the car accident.

Check your car insurance policy today! If you are carrying bodily injury liability coverage, good! This will protect you from being sued if you cause a car accident. If you don’t have it, consider getting it since it will help those you injure. More importantly, check your insurance policy to see if you have uninsured motorist coverage. If you don’t, get it before it is too late! Too many times, I see client have great bodily injury liability coverage (which protects others from their potential negligent driving) and no uninsured motorist coverage (which protects them from others negligent driving). If it is a financial matter, reduce your bodily injury liability limits and use the savings to purchase uninsured motorist coverage.

I want to help anyone who needs my help after a car accident. It is difficult to tell good people more bad news while they battle their injuries and uncertain future after a crash. Check your policy today and get uninsured motorist coverage if you don’t have it.


Book on car accidents in a school zone or elsewhereAttorneys Matthew Noyes and Lorrie Robinson help families who are impacted by a Tampa Bay car accident. Attorney Matthew Noyes even wrote a book on it – Do You Really Need An Attorney After a Car Accident. If you have questions after a car accident, call Personal Injury Attorney Matthew Noyes at 727-796-8282 or simply click here to schedule a free case consultation.

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