Lakeland, FL asked in Car Accidents for Florida

Q: I was hit by another car and come to find out my ins was canceled and I didn’t know it what happens now?

I wasn’t in pain when it happened but I am now do I still get checked out even though I have no insurance and live in a no fault state?? Or how does it work?

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3 Lawyer Answers
Charles M.  Baron
Charles M. Baron
Answered
  • Personal Injury Lawyer
  • Hollywood, FL
  • Licensed in Florida

A: Immediately call a personal injury attorney in your area. First thing to check is the validity of your insurance cancellation, as your insurance has PIP coverage. The next thing is to determine the insurance carried by the other driver, if he/she was at fault.

Joshua Winegar
Joshua Winegar
Answered
  • Personal Injury Lawyer
  • West Palm Beach, FL
  • Licensed in Florida

A: Your health is most important, so I would suggest getting checked out. Not having first-party personal injury protection benefits should not dictate your decision to seek medical care. There are many ways to deal with it, such as health insurance. Your PIP coverage only covers the first $10,000 in medical bills, which can be exhausted quickly.

The critical issue is whether the owner of the vehicle at-fault has bodily injury coverage. Assuming he/she does, then going to get checked out by a doctor will help substantiate your injuries and not give the insurance company ammunition to argue that you did not seek medical care.

We can discuss in further detail, and I would be happy to walk you through the process and what to expect.

www.winegarinjurylaw.com

Charles M. Baron agrees with this answer

Leland E. Garvin
Leland E. Garvin
PREMIUM
Answered
  • Personal Injury Lawyer
  • Fort Myers, FL
  • Licensed in Florida

A: If the other party was found to be at fault (or mostly at fault) then the fact that you don't have insurance wont prevent you from bringing a claim against them.

As it relates to being in a no-fault state that also won't prevent you from bringing a claim so long as a medical provider will be able to testify that you have a "permanent injury"; given that fact, I wouldn't wait any longer to see a doctor so that your symptoms are documented.

There are many doctors in FL who are willing to enter into an agreement with your lawyers to be paid out of a settlement. This process is often referred to as a letter of protection.

I hope that is information is helpful.

Take care,

-Leland

Charles M. Baron agrees with this answer

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