A car accident lawyer can help explain your options after you or someone you love has been injured in an accident. Insurance companies generally try to pay out as little as possible after an accident. Our team can handle your personal injury protection insurance (PIP) claim if you believe that the insurance company is not providing the coverage you deserve. If your injuries were especially serious and meet Florida’s “serious injury” threshold, we can pursue a case against the at-fault driver. This is something to consider when making a decision about whether it is worth hiring a car accident lawyer.
For a free legal consultation, call (800) 747-3733
Understanding Florida’s No-Fault Insurance System
All licensed drivers who own a car must carry “no-fault” insurance. It includes:
- $10,000 maximum coverage for bodily injury per person in one accident
- $10,000 maximum coverage for property damage liability
Under certain circumstances, you may also be required to purchase bodily injury liability (BI) coverage in the amount of $10,000 for each person and $20,000 for each accident. This insurance falls under the Florida Financial Responsibility Law for individuals who have previously been involved in an accident that caused bodily injury or death, as well as received certain citations.
If you have been in an accident, your initial claim will always be with your own insurance company. This PIP coverage pays:
- 80% of your medical bills up to the limits of your policy, $10,000
- 60% of your lost wages
While this can be sufficient coverage if your injuries were not serious and the damage to your vehicle was minor, it may not cover ongoing care, in-home nursing care, wheelchairs and mobility aids, or a significant enough portion of your lost wages, especially if you are out of work for an extended period of time. PIP insurance will also not care for the repair or replacement of your vehicle or noneconomic losses like pain and suffering or emotional distress.
If you want to pursue damages beyond what your PIP coverage provides, you will need to prove that your injuries meet the threshold requirements for what Florida law considers a “serious injury.”
Understanding the Serious Injury Threshold
While you are entitled to pursue additional compensation for your injuries by filing a lawsuit against the at-fault driver, you must first meet an “injury threshold.” To accomplish this, you must prove that the other driver left you with permanent bodily injuries, scarring or disfigurement, or that your family member died as a result of the accident.
While Florida law does not give specific examples of what injuries are considered “serious,” catastrophic injuries such as paralysis, spinal cord injuries, or severe traumatic brain injuries (TBIs) typically meet the requirement.
A member of our team can help determine if you meet the requirement or not.
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How a Car Accident Lawyer Can Help
In addition to helping you file a claim with your PIP insurance provider, ensuring you receive the compensation you deserve after your accident, we can also help you file a personal injury claim against the at-fault driver.
The first step in doing this is to ensure your injuries meet the serious injury threshold. Our team would review your medical records and the prognosis from your physician to confirm you suffered a serious, life-altering injury. This is something to think about when asking yourself is it worth hiring a car accident lawyer.
After we have confirmed that you do, indeed, meet the threshold requirements, we would launch an investigation to establish liability for the accident. We must prove that the driver had an obligation to yield the right-of-way, that he or she failed to do so and caused an accident that resulted in your serious injuries.
To do so, we would gather all evidence related to your claim, including:
- Police reports, eyewitness statements, and medical records
- Video or photos available from the crash
- Analysis of the damage to the vehicles
- Examination of documented evidence, including skid marks
- Information obtained from accident reconstruction specialists
- Proof of your economic losses
If you are ready, call the Law Offices of Anidjar & Levine at 1-800-747-3733 for our free, no-risk consultation with a member of our legal team. A car accident lawyer can get started on your case right away.