Car accidents frequently occur on the streets of North Miami and we witness the wreckage as we drive by the scene. These vehicle crashes can take on a whole new meaning when we—or our loved ones—become accident victims and suffer life-threatening, if not fatal, injuries.
If you were in an automobile accident and want to recover compensation for your injuries and property damage, call the Law Firm of Anidjar & Levine at 800-747-3733 to schedule an appointment. Our law firm has earned the respect of many Florida residents for our compassion and aggressive advocacy for accident victims. Contact us today for a free, no-obligation consultation with a car accident lawyer in North Miami.
Will My Auto Insurance Cover My Injuries and Property Damage?
Florida is a no-fault state, which means your insurance company will compensate you if you suffered physical injuries or property damage regardless of which party caused the accident. This is why Florida law requires vehicle owners to carry $10,000 in personal injury protection (PIP) insurance. PIP insurance reimburses 60 percent of your lost income and 80 percent of medical expenses, including any medically necessary:
- Dental procedures;
- Rehabilitative services, including prosthetic devices;
- Ambulance transport costs;
- Hospitalization; and
- Nursing services.
These PIP medical benefits are available only if you seek treatment within 14 days after your motor vehicle accident.
What If My PIP Policy Does Not Pay for All of My Expenses?
Many accident victims have found that their PIP insurance did not cover all of their medical bills and costs to repair or replace their damaged vehicles. Fortunately, bodily injury liability (BIL) insurance allows you to obtain additional compensation. However, unlike the mandated PIP coverage, BIL is optional insurance that covers damages a policyholder causes to others. If the other driver carries BIL insurance, we can help you request compensation under this policy.
What If the At-Fault Driver Does Not Have BIL Coverage?
You may be able to request additional compensation from the at-fault driver’s insurance policy. In order to do this, we must prove that you suffered a serious injury in the crash.
Florida’s no-fault law defines a serious injury as:
- The permanent loss of a significant body function;
- A permanent injury;
- Scarring or disfigurement; or
If you suffered serious injuries in your car accident, our attorneys can help you file for additional compensation from the other driver’s insurance policy. If we are unable to get you the compensation we need by filing a claim, we can help you take your case to court with a personal injury lawsuit.
What If the Driver Who Caused the Accident Does Not Have Auto Insurance?
If you have Uninsured Motorist Coverage (UI) or Underinsured Motorist Coverage (UIM), you can recover compensation from your insurance company. UI and UIM coverages are optional and we recommend that motorists purchase this additional insurance coverage. UI covers you when a driver hits you and does not have auto insurance, while UIM covers you when a driver who caused an accident has auto insurance but the liability limits are lower than those of your policy and cannot cover all of your losses.
UI and UIM coverage will pay for:
- Medical expenses to the limit of your auto insurance policy;
- Lost wages to the limit of your auto insurance policy;
- Future medical expenses and lost wages due to the accident; and
- Non-economic damages, such as pain and suffering, disability, and loss of enjoyment of life.
What Type of Compensation Can I Receive?
Your total compensation amount depends upon several factors, such as whether you suffered permanent injuries or whether your medical bills total more than $10,000. Before we can estimate your compensation amount, we recommend that you contact our law firm to arrange for a free, no-obligation consultation. Our attorneys can offer you a better idea of the compensation you are eligible for after discussing the details of your case.
In general, you are eligible for compensation for your medical bills, care costs, property damage, lost wages, and future damages. We can also help you seek non-economic damages, such as pain and suffering and mental anguish. If a loved one died in the crash, we can help you file a wrongful death claim.
Elements to Prove in a Car Accident Insurance Claim
To hold another party liable for your crash, we must prove they acted with negligence. Our attorneys are skillful at proving the four elements of this area of law. In your case, we must show:
- The driver had a duty to you to drive carefully;
- The driver failed or violated this duty of care;
- The driver’s reckless or careless actions caused the accident; and
- You suffered injuries and property damage in the crash.
Why Do I Need a Car Accident Lawyer to Help Me?
Our attorneys know the tactics auto insurers use to underpay, delay, or deny an insurance claim. Car accidents place a heavy financial strain on people. We can negotiate insurance claims on behalf of our clients so they can obtain the maximum compensation available.
We will collect the hard evidence we need to prove your right to compensation. We will not file your claim until we have the police report, photos from your crash scene, video surveillance footage, and eyewitness testimony to prove another driver caused your crash. If necessary, we can also consult with our accident reconstruction specialists to recreate what happened during your accident.
After we collect proof of the other party’s fault, we will compile evidence showing the extent of your damages. That may include your medical bills, receipts, car repair documentation, and employment records showing your lost wages. We will also consult with medical and occupational experts to estimate the impact your accident will have on you in the future.
Finally, we will file your claim with the at-fault party’s insurer. Then we begin the negotiation process to get you the fair compensation you deserve.
Contact the Law Firm of Anidjar & Levine Today to Review Your Car Accident Claim.
If you or a loved one suffered injuries due to a car accident that occurred because of another driver’s negligence, we have experienced and knowledgeable lawyers to fight for you. Call us at 800-747-3733 for a free case evaluation. The Law Firm of Anidjar & Levine is your best chance to get results.