Miami Uninsured Truck Driver Accident Attorney
Truck accidents are often the result of negligence on the part of the truck’s driver. Naturally, the victims of such accidents expect that they can demand compensation from the responsible truck driver’s insurance company. Unfortunately, there are situations where a negligent truck driver does not actually have any insurance.
The Miami uninsured truck driver accident attorneys at Pike & Lustig, LLP, can help you in this scenario. The fact that a truck driver was operating a commercial tractor-trailer without insurance does not mean you are without options for receiving compensation to cover your medical bills, loss of income, pain and suffering, and other losses arising from your accident. Our team can investigate your accident, advise you on a course of action, and represent you in dealing with other parties who may be financially responsible for your damages.
What Are Your Options When a Truck Driver Has No Insurance?
Anyone who owns or operates a commercial truck is required to carry insurance under federal and state law. And if your accident involved a truck driver who was an employee of a large interstate trucking company, the odds are that the employer will have a commercial liability policy to cover any losses that you suffered as a result of the crash. But if the truck driver was also the owner-operator of their vehicle, there is a chance they do not have coverage, possibly because they allowed their policy to lapse due to non-payment of premiums.
Another potential uninsured truck driver accident scenario is when the driver works as a private carrier not-for-hire. For example, if a farm or local business maintains their own delivery trucks, they may not have any commercial liability insurance in place to cover an accident involving their vehicles. Indeed, such small business owners may be unaware the law even requires special commercial liability coverage.
What does this mean for you as the victim of a truck accident? If you are hit by an insured truck driver, your options for compensation may include the following:
- Your own Florida auto insurance policy still provides you no-fault medical insurance and lost income benefits, even if the negligent truck driver has no insurance.
- If you elected to purchase additional uninsured motorist coverage with your auto policy–such coverage is not required in Florida–then your own insurance carrier may also be liable for any serious injuries you suffered as a result of an uninsured truck driver’s negligence.
- If the negligence of a third party, such as a company responsible for servicing the semi-truck or the people who loaded its cargo, contributed to your truck accident, you may be able to pursue a separate personal injury claim against them and their insurance carriers.
Contact the Miami Uninsured Truck Driver Accident Attorneys at Pike & Lustig Today
You should never assume that just because a truck driver claims they have no insurance you are out of luck when it comes to demanding your rightful compensation under the law. Our Miami uninsured truck driver accident attorneys are here to help. Contact Pike & Lustig, LLP, today at (561) 291-8298 to schedule a consultation.
