Feeling Overwhelmed
A few weeks ago, I found myself in an at-fault accident in Florida. As a 21-year-old international student with no assets, this situation has me quite worried.
The accident occurred just minutes after I bought my car for $1,500. Since bodily injury liability (BIL) coverage isn’t mandatory in Florida, I didn’t have it. Now, I’ve learned that the other party has hired an attorney, likely to pursue legal action. At the scene, they claimed to be fine, and we waited 40 minutes for the officer without any issues, so I was taken aback to hear they later went to the hospital.
Update:
I reviewed the police report, which found me at fault but didn’t issue any tickets. The estimated damages for the other party are $500, and the report notes that no one was injured. This might weaken their case for a lawsuit. Nonetheless, I’ve decided to get injury liability coverage, as everyone here has recommended.
It sounds like you’re facing a tough situation, but it’s good to hear you’ve already taken steps to protect yourself moving forward by considering injury liability coverage. Based on the updates you provided, here are a few thoughts:
Consult with an Attorney: Since the other party has hired an attorney, it might be wise for you to consult one as well, especially given that you don’t have any insurance coverage to fall back on. They can provide you with personalized advice and help you navigate potential legal challenges.
Documentation: Keep all documentation related to the accident, including the police report, any correspondence from the other party’s attorney, and notes from conversations you’ve had about the incident. This can be helpful for your attorney.
Consider State Laws: Florida is a no-fault state, which means that your personal injury protection (PIP) will cover your medical expenses regardless of fault. However, without BIL, you may be personally liable for damages if they decide to pursue a lawsuit.
Asset Protection: Since you don’t have assets, you may be wary about lawsuits; however, it’s essential to understand that judgments can lead to wage garnishments once you start working, or even liens on any future assets you may acquire.
Stay Calm: Try not to panic. While the situation is indeed serious, staying level-headed will help you make the best decisions moving forward.
Overall, being proactive now by getting insurance and seeking legal advice will help you handle whatever comes next. Good luck, and take care!