Understanding Insurance and DUI in Florida Car Accidents
When a car accident happens in Florida, figuring out insurance and compensation can get tricky—especially if the driver at fault was driving under the influence (“DUI”) or otherwise broke the law. Here is what you need to know.
Criminal DUI and Civil Lawsuits
Drivers who cause accidents while committing crimes—like DUI—may be considered criminally liable. A criminal case against a driver convicted of DUI can influence a victim’s substantive civil case in these ways:
- Using a Criminal Conviction as Evidence: When the driver is convicted of a crime (like DUI), it can strengthen the civil lawsuit by serving as proof of wrongdoing.
- Punitive Damages: In cases where a driver acted willfully or recklessly, victims may be able to receive not only compensatory damages but also punitive damages. Such cases require a higher standard of proof as to a driver’s recklessness or intentional misconduct and require special permission from the court before pursuing punitive damages. Punitive damages go beyond regular compensation and are aimed at punishing the wrongdoer.
How the At-Fault Driver’s Insurance Works
DUI convictions can affect how insurance coverage functions in cases where the at-fault driver was drunk. Florida law requires that drivers must have liability insurance, which covers damages and injuries they cause to others. Insurers usually cover damages and injuries caused in an accident, even if the at-fault driver was driving under the influence, up to the limits of their policy. However, insurance companies sometimes argue that the policy does not cover those actions. Additionally, most insurance policies will not cover damages if the driver’s criminal actions were intentional under a policy’s Intentional Act Exemption. (e.g., road rage while driving drunk). If that happens, victims may need to seek compensation elsewhere.
Covering Costs When Insurance Falls Short
What if the at-fault driver’s insurance is not enough to cover the victim’s damages/injuries or does not apply? Victims can still take steps to recover their costs, but coverage might be limited. Here’s how they can proceed:
- Personal Injury Protection (PIP) Coverage
Florida’s no-fault law requires all drivers to use their own PIP insurance for medical bills and lost wages first, regardless of who caused the accident. However, Florida law only requires drivers to carry $10,000 in PIP coverage, which may not be enough in cases with extensive injuries or where an injured person is forced to miss a significant amount of work. Drivers should carefully review their policy regarding their total PIP coverage, so they are comfortable with their coverage limits.
- Uninsured/Underinsured Motorist Coverage (UM/UIM)
After PIP coverage is exhausted, if an at-fault driver does not have enough insurance, victims can turn to their own UM/UIM policies for coverage. These policies fill the gap when an at-fault driver’s liability insurance cannot fully cover the damages. While UM/UIM coverage is not required in Florida, it is highly recommended that drivers carry it, especially given the state's high rate of uninsured drivers. UM/UIM coverage is relatively inexpensive compared to general liability coverage and is usually available for purchase as part of most auto plans.
- Personal Injury Lawsuit
If insurance options do not fully cover the damages, victims can file a legal claim against an at-fault driver. Keep in mind that if the driver has few assets, including limited insurance coverage, recovering money through a lawsuit might be difficult.
Understanding Florida’s Comparative Fault Rule
Florida follows a modified comparative fault system. This means that if the injured person is partly responsible for the accident, their damages could be reduced by their share of the blame. For example, if the victim is found 10% at fault, their compensation will be reduced by 10%. A skilled attorney can help ensure the victim’s share of fault is minimized.
Next Steps for Victims
Navigating insurance claims after an accident involving a drunk driver can be overwhelming. It is important to understand your rights and options. Here is where a personal injury trial lawyer, like those at Mase Seitz Briggs, can help. An experienced trial lawyer can:
- Examine all available insurance options
- Gather evidence to support your claim
- Represent you in negotiations or in court if needed
If you have been involved in an accident with a drunk driver, you do not have to face it alone. Contact us to make sure you get the compensation you deserve.
Recovering from an accident is tough enough—getting the support you need should not be.