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What Happens When There Isn’t Insurance After an Accident, Injury or Professional Misconduct?

Alan Sackrin, Esq. Can Help

Florida Injury Claims When There’s Little or No Insurance

Florida lawyers all too often have people coming into their office after an injury, accident or professional misconduct where there’s a big insurance problem — there’s isn’t an insurance policy or the policy that the person who is alleged to be responsible for the accident or injury doesn’t have enough coverage to meet the needs of the victim.

Alan Sackrin can help not only those who need help in the aftermath of an accident or misconduct where the party causing the harm doesn’t have coverage, but he can also help those causing the harm who didn’t have enough insurance coverage and are now facing someone suing them for money damages after an accident, crash or misconduct.

1. The Victim’s Insurance Policy Benefits May Offer Coverage and Compensation

For example, in many Florida car accidents, the driver who caused the wreck may have no insurance or he (or she) may have a car insurance policy that is much too small to cover the needs of the people that were hurt in the crash. What happens then?

An experienced Florida civil trial lawyer can help. Key here: insurance companies don’t like to pay these claims and especially in uninsured or insufficient insured situations, insurance carriers may drag their feet (delay) or blatantly reject an uninsured or underinsured claim. Having an experienced Florida trial lawyer in these situations to negotiate and deal with the insurance company in a coverage fight can be a big help in getting coverage for losses paid from the benefits covered by the victim’s own policy.

2. Lawsuits May Be Filed Against the Responsible Person Who Had No Insurance or Too Little Insurance Coverage

People who have been hurt, wronged or injured due to the actions (or failure to act) of another may seek to have their losses covered by the person or company that is responsible for their harm. Insurance policies are purchased to protect against this risk; however, if the person causing the harm fails to buy insurance or if the policy limits aren’t high enough then that doesn’t excuse the person from legal liability. It just means that don’t have enough insurance to cover what they are legally liable to pay.

In these situations, lawsuits can be filed (and often are here in Florida) seeking judgment awards that will transfer the property of the responsible person or company to the injured person and accident victim to cover for their These can cover a wide variety of situations.

Our law offices represent the uninsured and people in Florida who are being sued in the following situations where there is not sufficient insurance coverage:

  • Commercial Property Owners – slip and falls, negligent security
  • Rental Property Owners – slip and falls, negligent security
  • Defamation – people who commit Slander and Libel
  • Automobile Owners – car owners who cause bodily injury to another
  • Motor Vehicle Owners – causing property damage to another’s vehicle or other property
  • Dog Owners – dog bite that causes bodily injury, including scarring or otherwise
  • Employers – on the job work injuries with little or no worker’s compensation insurance
  • Medical Patients – hospital or medical provider sues patient; patient insurance won’t pay claim or denies a claim
  • Real Estate Agents – escrow disputes; fraudulent or negligent misrepresentations
  • Nurses – failure to supervise, substandard care, or medication errors
  • Home and Business Owners – slip and falls at your home or business
  • Condominium Owners – slip and falls, or property damage for leaks and other casualties
  • Boat Owners – injuries on your boat or vessel and you have no insurance coverage
  • Accountants – professional malpractice
  • Lawyers – professional malpractice
  • Dentists — professional malpractice
  • Nail Salon Owner — infection, burns and other bodily injuries
  • Restaurant Owner – slip and fall, food poisoning, negligent security
  • Convenience Store Owner – slip and fall, negligent security – inadequate lighting

 

Quick Florida Car Accident Facts:

According to the Florida Department of Motor Vehicles, for example, in 2009 statewide there were 20,085 alcohol related traffic accidents resulting in 1,004 deaths and 14,130 injuries. Additionally, damages from auto crashes total $150 billion annually because compensation for a car accident, in most cases, includes recovery of medical expenses, property damage, lost wages and lost earning potential, pain and suffering, disfigurement, loss of consortium and emotional distress. Learn more from Alan Sackrin, an expert car accident lawyer.

 

Want to Know More?

Since 1982, Alan Sackrin has represented clients throughout Florida in recovering monetary damages for car accident injuries. Alan is a Board Certified Civil Trial Expert that strives to maximize the amount of compensation his clients’ receive for their claim.  Alan brings a high level of skill and knowledge to his client’s car accident cases and he offers a free initial consultation.

 

See: Sample Case Verdicts and Settlements

 

Related Car Accident Topics

 

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Learn More: See Our Car Accident Resource Page