What Happens if an Uninsured Driver Injures Me in a Car Accident? Southwest Florida Car Accident Lawyers, GTS, Explain

Jason B. Goldman • December 17, 2021
What Happens if an Uninsured Driver Injures Me in a Car Accident? Southwest Florida Car Accident Lawyers, GTS, Explain

Florida drivers have earned the dubious distinction of having one of the highest uninsured motorist rates in the entire country.  This is due, in large part, to our state legislature’s unwillingness to require Florida drivers to carry a type of coverage called bodily injury liability. If you are injured in an accident by an uninsured or underinsured driver, there are still financial recovery options available to you.  It’s crucial to speak with an experienced Port Charlotte car accident lawyer about these options.

Required Automobile Insurance Coverages in Florida

For a car to be registered in Florida, its owner must provide proof of only $10,000 in property damage liability (this coverage pays only for property damage caused to another person’s vehicle) and $10,000 in personal injury protection (PIP) (this coverage only pays medical expenses for the driver of the automobile). These are the only two coverages required to legally drive in Florida.  Noticeably missing is bodily injury liability coverage, which compensates other drivers if they are injured in an accident caused by the vehicle’s owner.  Florida’s legislature does not require Florida drivers to purchase bodily injury liability coverage, which compensates those injured in a car accident. 

Because Florida does not require its drivers to carry even a minimal level of bodily injury liability coverage, it is imperative for you to carry a coverage called uninsured/underinsured motorist (UM) coverage.  While UM coverage is not mandatory, it is vital to protect you and your family from uninsured drivers.  UM coverage will compensate you for injuries suffered in a car accident caused by an uninsured/underinsured driver.  In order to purchase UM coverage from your auto insurance carrier, it will require you to also purchase bodily injury liability coverage.  Your insurance carrier will not permit you to purchase a higher level of UM coverage than bodily injury liability coverage.  You must at least protect the public as much from your negligence, as you are protecting yourself from the public’s negligence against you.

Recovery Options

When a driver who injures you does not have car insurance (or does not have enough insurance to fairly compensate you for your injuries), you have options for financial recovery. While you have options, not all options are created equal. 

One option is attempting to receive compensation directly from the uninsured driver.  Your lawyer could bring your case to trial and obtain a judgment against the at fault driver.  However, a judgment is just a sheet of paper which states the at fault driver owes you the amount of money awarded by a jury.  While you have this judgment stating this money is owed to you, it is up to you to try and find assets from the at fault driver to pay towards your judgment.  Oftentimes, uninsured drivers are uninsured because they can’t afford adequate automobile insurance.  If they can’t afford car insurance, the odds of them having substantial, available assets to pay towards your judgment are nil to none.  While holding a judgment against someone allows you to try and garnish wages, lien non-homestead property, seize personal property, etc,. in many instances the at fault party doesn’t have any substantial assets to seize or garnish.  In these situations, if you do not have UM coverage to protect you and the at fault party is uninsured and what we call “judgment proof”, you may not be able to achieve any compensation at all for your injuries.  This happens constantly in Florida, because our legislature does not require Florida drivers to carry either bodily injury liability or uninsured motorist coverage.

You and your family are best served by carrying adequate UM coverage. If you are injured by an uninsured or underinsured driver, you can instead obtain financial compensation for your injuries directly from your own insurance company’s UM coverage.  In essence, this coverage steps into the shoes of being the insurance carrier for the at fault, uninsured party.  A UM insurance adjuster will be assigned, and that adjuster will work to resolve your claim for the lowest amount they possibly can.  When we represent you in a UM claim against your own insurance carrier, we will not allow your claim to be resolved at the whim of your insurance adjuster.  Our Southwest Florida injury lawyers can help you if you’ve been seriously injured in a crash.

Our Port Charlotte, Punta Gorda, and Englewood Car Accident Lawyers Protect You and Your Family!

If you or a loved one were seriously injured or killed in a Florida car accident, our experienced Southwest Florida car accident lawyers at Goldman, Tiseo, and Sturges, P.A. can fight to ensure you receive the compensation you and your family deserve.  We will not allow at fault drivers and their insurance carriers to take advantage of you or treat you unfairly.  Our only job is to protect you and your family from the devastating consequences of a serious automobile accident.  Learn how we can help you during a FREE consultation by calling (941) 625-6666 or by sending us a message through our contact us box available on our website here.

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Back-to-School Safety: Staying Alert in Busy Parking Lots

By Jason B. Goldman • August 13, 2025
As Charlotte County families prepare for the new school year, stores are crowded with parents and children picking up backpacks, notebooks, and other supplies. While the excitement is high, parking lots at big-box stores and shopping centers can become dangerous if drivers and pedestrians aren’t paying attention. Why Parking Lot Safety Matters Parking lots can be high-risk areas, especially during peak back-to-school shopping times. With increased traffic, pedestrians—especially children—can be hard to see, and distractions can lead to accidents. For Drivers: Navigating Parking Lots Safely Slow Down: Keep speeds low and be ready to stop suddenly. Stay Off Devices: Distractions can cause you to miss a pedestrian. Watch for Children: Kids can dart out from between cars without warning. Use Signals: Let others know when you’re turning or backing up. For Parents and Shoppers Hold Hands with Young Children: Keep them close in busy parking areas. Load Carefully: Position carts and children out of moving traffic while loading purchases. Teach Awareness: Remind kids to stop and look before crossing lanes or emerging from between cars. GTS Law Firm: Protecting Families in Charlotte County At GTS Law Firm, we know that even a quick shopping trip can lead to unexpected accidents. If you or your child is injured due to a driver’s negligence in a parking lot, our attorneys are here to help you understand your rights and seek fair compensation. Let’s keep this back-to-school season safe—not just on the roads, but in the parking lots where families gather to prepare for the year ahead. If you’ve been involved in a parking lot incident, contact GTS Law Firm for a consultation.

Back to School Safety: Sharing the Road with Buses and Students in Charlotte County

By Jason B. Goldman • August 13, 2025
As summer winds down and the school year begins, Charlotte County’s roads become busier with school buses, parents dropping off children, and students walking or biking to class. This time of year is a reminder for all drivers to slow down, stay alert, and take extra precautions to protect our community’s youngest members. School Bus Safety School buses are one of the safest modes of transportation for students, but safety depends on drivers following the law: Stop for School Buses: Florida law requires drivers to stop when a school bus has its stop arm extended and red lights flashing, regardless of the direction you’re traveling (unless there’s a divided highway with a barrier). Keep a Safe Distance: Maintain at least 20 feet behind a stopped school bus to give children space to cross safely. Be Patient: School bus stops take time as children may be crossing from multiple directions. Pedestrian and Bicyclist Safety Students walking or biking to school are more vulnerable during early morning and afternoon hours: Watch for Crosswalks: Always yield to pedestrians at crosswalks and school crossings. Slow Down in School Zones: Observe posted speed limits, which are often 15-20 mph in school areas. Avoid Distractions: Keep phones down and focus on the road, especially during pick-up and drop-off times. Tips for Parents and Students Teach Safe Habits: Remind children to look both ways before crossing the street and to use crosswalks. Bike Safety: Ensure children wear helmets and use bike lanes when available. Visibility Counts: Bright clothing or reflective gear can help drivers see students more easily. \ GTS Law Firm: Advocating for a Safer Community At GTS Law Firm, we are committed to helping keep Charlotte County safe—on and off the road. Unfortunately, accidents can still happen despite best efforts. If you or a loved one is injured due to a driver’s negligence, our experienced attorneys are here to protect your rights and seek the compensation you deserve. As we head into the school year, let’s all do our part to share the road responsibly and make this season a safe one for every student. If you have questions about your rights following a traffic incident, contact GTS Law Firm today for a consultation.

A Practical Guide to Preventing Falls for Older Adults

By Jason B. Goldman • July 11, 2025
As we age, the risk of falling increases—and the consequences can be serious. At Goldman, Tiseo & Sturges, P.A., we’re dedicated to helping our older neighbors in Charlotte County protect their independence and stay safe at home. Here’s what you should know—and what you can do. Why Falls Happen Falls among older adults typically result from several risk factors combined: Weakness in the legs or hips, slowed reflexes, and balance issues Vision or hearing impairments, or side effects of certain medications Environmental hazards like poor lighting, loose rugs, and missing grab bars Smart Prevention Strategies 1. Strength, Balance & Regular Exercise Structured routines—including strength training and balance-based exercises like Tai chi or yoga—significantly lower fall risk. 2. Home Modifications Simple adjustments make a big difference: Remove rugs, clutter, and trailing cords Install grab bars in showers and railings on both sides of stairs Use non-slip mats, improve lighting, and ensure pathways are clear 3. Medication & Health Reviews Certain medications (like sedatives or antihypertensives) can impair balance. Regular reviews help reduce this risk. Experts also recommend yearly screenings for vision, hearing, bone density, and overall mobility 4. Fear of Falling Worry about falling can lead to reduced activity, causing weakening—a cycle that heightens fall risk. Behavioral and physical therapy can help build confidence. 5. Get Back on Your Feet Safely If a fall does occur: Assess yourself before moving check for injuries Use stable furniture to help you rise If you live alone, consider a medical alert system and establish a check-in plan At Goldman, Tiseo & Sturges, P.A., we’ve seen how even a minor fall can disrupt a person’s independence and well-being. Whether you or a loved one has already experienced a fall, or you'd like to take proactive steps now, these measures are proven to help. When You Need More Support Falls can lead to serious injuries, sometimes requiring medical attention or home care. If a fall occurs due to someone else’s negligence, such as poorly maintained property or missing safety features, we are here to help. Our Charlotte County team offers free consultations to assist with insurance claims, medical documentation, and legal guidance. Call us today at (941) 625 6666 or visit our website to schedule a free consultation.

Staying Safe During Florida’s Summer Months

By Jason B. Goldman • July 11, 2025
As summer temperatures rise across Southwest Florida, so does the risk of preventable injuries. From extreme heat to an increase in road and water activity, understanding common seasonal dangers is key to keeping your family safe. At Goldman, Tiseo & Sturges, P.A., we want our community to enjoy the season while avoiding unnecessary accidents that can result in serious injury. Below are important reminders and precautions to help you stay safe this summer. 1. Heat-Related Illnesses Southwest Florida's summer heat and humidity can lead to dehydration, heat exhaustion, and even heatstroke. These conditions can escalate quickly, especially in children, the elderly, and individuals with underlying health concerns. Prevention tips: Drink water regularly, even if you’re not thirsty. Wear lightweight, light-colored clothing. Limit outdoor activities during peak sun hours (10 a.m. – 4 p.m.). Never leave children or pets in a parked vehicle. 2. Water Safety Local beaches, pools, and waterways are popular destinations throughout the summer—but they also present significant risks. Drowning remains one of the leading causes of accidental death in young children. To stay safe: Always supervise children near water. Ensure inexperienced swimmers wear Coast Guard-approved life jackets. Never swim alone or under the influence of alcohol. Learn CPR and basic water rescue techniques. 3. Boating and Personal Watercraft Accidents Recreational boating activity increases in the summer months, and with it comes a higher risk of collisions and injuries. Florida consistently leads the nation in boating accidents. Recommendations: Take a boater safety course if operating a vessel. Wear life jackets at all times. Avoid distractions and alcohol while operating a boat. Check weather conditions before heading out. 4. Traffic Hazards and Wet Weather Tourism and local travel surge during the summer, increasing traffic congestion. Afternoon thunderstorms can make roadways slick, reducing visibility and traction. Safety suggestions: Allow extra time when traveling. Drive cautiously in rain and reduce speed. Keep tires and brakes in good condition. Avoid using cruise control during wet weather. 5. Premises Liability Concerns Slippery pool decks, uneven walkways, and inadequate safety barriers can all lead to slip-and-fall or premises liability injuries, particularly in residential or vacation rental settings. Property owners should: Maintain proper fencing and signage around pools. Install non-slip materials on decks and walkways. Ensure adequate lighting in outdoor areas. Regularly inspect and repair hazardous conditions. Legal Help When You Need It Unfortunately, even with proper precautions, accidents can and do happen. If you or a loved one has been injured due to someone else’s negligence this summer—whether in a boating crash, slip-and-fall, or vehicle accident—our attorneys are here to help. At Goldman, Tiseo & Sturges, P.A., we have decades of experience handling personal injury cases throughout Charlotte County and the surrounding region. We are committed to providing personal, hands-on representation that puts your needs first. If you’ve been injured, contact our office at (941) 625-6666 for a free consultation.