A Cutler Bay car accident lawyer at our law firm can help you pursue damages. We offer a free case evaluation to learn your case’s specifics, explain the legal process, and answer all your questions.
Car Collision Injuries That Qualify for Financial Compensation
After a crash, you’ve likely sustained short-term or more severe long-term injuries. The most common injuries you can get compensation for are:
- Neck injuries
- Spinal cord injuries
- Traumatic brain injuries
- Internal injuries
- Head injuries
The injuries listed above are in no way all the injuries that qualify. Our lawyers can review the details of your case and tell you if you qualify for a case.
You Have Limited Time To File a Personal Injury Claim
Per Florida Statutes § 95.11, the statute of limitations is four years for personal injury cases. To be eligible for compensation, you must file your claim within the deadline.
The best time to file is as soon as possible. The earlier you file your claim, the more likely you will recover the maximum compensation.
Our Cutler Bay car accident lawyers can help you file your claim in time and tell you what damages you could recover based on your injuries. We’ve helped many people recover damages they qualify for in our years of experience and are ready to do the same for you.
Why PIP Insurance Can’t Cover All Your Accident Expenses
Florida is a no-fault state that requires you to file a claim against your insurance policy in a car crash. Since the state only requires a minimum of $10,000 of personal injury protection (PIP), many drivers only get that much. This seems fine until an accident happens.
Suddenly, $10,000 isn’t enough to cover all your medical bills or necessary time off from work. And that’s if your insurance company approves the claim, assuming you have insurance. A report by the Insurance Research Council shows 20% of Florida drivers travel daily without insurance.
If your PIP doesn’t cover all your expenses, won’t cover your expenses, or you don’t have insurance, having a car accident lawyer by your side can mean the difference between unbearable financial hardship and worry-free recovery.
Types of Compensable Damages Available in Car Accidents
We will closely examine all losses you’ve suffered after your accident. Florida law allows victims of motor vehicle accidents to recover economic and non-economic damages. Therefore, we’ll quantify the total value of your losses to demand a fair payout.
Your car wreck may have left you with the following economic damages:
- Medical bills
- Lost wages
- Reduced ability to earn
- Car repairs or property damage
- Prescription drugs
- Emergency care
- Physical therapy
- Medical supplies and equipment
Non-economic damages could encompass various physical, emotional, or psychological injuries. These losses could include the following:
- Ongoing pain
- Mental anguish
- Emotional distress
- Reduced enjoyment of life
- Diminished quality of life
- Physical impairments
- PTSD and other psychological disorders
Depending on the details of your case, the damages you’re eligible to recover vary. You can meet with one of our attorneys to find out what damages you qualify for. Many people who have been in car crashes don’t think they qualify for damages, but they often do.
Valuable Evidence Helps You Increase Your Car Crash Settlement
To ascertain the full scope of your injuries, we will investigate your accident and gather documents to prove them. We’ll collect evidence such as:
- Medical records
- Relevant bills and receipts
- Police report
- Professional estimates
- Timesheets, schedules, and other documentation showing time off from work
- Expert testimony
- Other important accident-related documents
We will work to build a compelling case to secure the maximum monetary award and get you back on your feet.
Options for Recovering Losses
Accidents still happen despite recent changes to improve safety on our busy streets. That’s why Florida law requires every driver to purchase personal injury protection.
This type of insurance covers 80% of your medical expenses, 60% of your lost wages, and 100% of any replacement services you require as you recover. However, it does not cover pain and suffering.
You May Be Eligible To File a Third-Party Liability Claim
PIP does not cover pain and suffering. However, state law allows injured car accident victims to pursue a third-party liability claim for the scope of their losses if they meet a legal threshold. You can go after the full amount of medical expenses and lost wages along with pain and suffering if:
- You suffered significant impairment to important bodily functions
- Have permanent injuries
- Suffered severe scarring and disfigurement
- The death of a loved one occurred
Bodily Injury Liability Insurance
If the at-fault party has bodily injury liability insurance, you will file a claim against their coverage for your losses. The extra protection covers any damages you’ve suffered due to the accident.
It is also called third-party liability coverage. Your insurance company would represent you in court if necessary.
Uninsured Motorist Protection
If the other driver is uninsured, you can file a claim under your uninsured motorist (UM) protection. If you purchased this coverage, it kicks in if the at-fault driver is uninsured and you have met the threshold for a third-party liability claim.
Your damages for expenses, lost income, and pain and suffering would come from this coverage.
Property Damage Liability
The negligent party’s property damage liability insurance (PDL) covers any damage to your vehicle or other property involved in the accident. This is the only other mandatory vehicle insurance under Florida law.
The state requires a minimum of $10,000 of coverage.
At-Fault Drivers with No Insurance
If the at-fault party does not have insurance, you can still sue them personally to cover your losses. The state of Florida also offers help in making sure they pay if you win in court.
The state authorizes the Department of Highway Safety and Motor Vehicles to suspend their license until the total amount is paid or up to 20 years. The suspension ensures you get the compensation you deserve.
Our Car Accident Attorneys Will Handle Every Aspect of Your Case
Our law office gives each car accident case personal attention. In the haze of your wreck, you may not know where to start or have the money to see an insurance claim or personal injury lawsuit through. So let us do the worrying for you. Our car accident attorneys will take care of your case by:
- Providing frequent case updates
- Managing all communications
- Collecting evidence
- Gathering supportive documentation
- Representing you in settlement negotiations
- Helping you file your insurance claim
- Filing a lawsuit, if necessary
- Representing you if your car accident case goes to court
Contact Our Office To Receive a Free Car Accident Case Evaluation Today
If you’ve suffered due to another driver’s negligence in Cutler Bay, FL, a car accident lawyer is here to provide legal help. Our experienced attorneys are ready to help you get the compensation you need for your injuries.
We Can Help.