Talk with Florida Auto Accident Lawyer About Your Car Accident Case
Nobody ever looks forward to getting involved in a major car crash. Regrettably, there is a real possibility that it could happen to any of us. Florida in particular has one of the country’s highest car accident rates. In just the first month of 2017, there were 25,274 collisions resulting in more than 15,000 injuries and over 150 fatalities. In most states, an accident victim pursues compensation from the at fault party and their insurance company. In this case experienced Florida auto accident lawyer can help you.
Florida is however one of the dozen or so that follow a No-Fault system. This has helped minimize the number of car accidents that end up in the courts and reduced the time required for claim payment.
Still, there are instances where you will need the help of a Florida auto accident lawyer. Some times, a road collision is simply down to bad luck. In most cases though, it’s because one driver wasn’t taking due care and following the rules.
When you need a Florida car crash attorney, contact Paul K. Schrier, PLLC on (877) 883-0791. We’ve handled some of the most complex vehicle accident cases across Florida. Our approach to each case is calculated, methodical and well-thought-out.
With offices in Fort Lauderdale, Jacksonville, Miami, Orlando and Tampa, we are in relatively close proximity to most major cities and towns within the state. Death and serious personal injury are grave matters; we do not spare any effort to make sure our clients emerge victorious.
Car Insurance in Florida
All drivers in Florida are required by law to carry a Personal Injury Protection (PIP) cover of $10,000 and Property Damage Liability (PDL) insurance of a similar amount. In addition, drivers have the option of taking up a Bodily Injury Liability (BIL) insurance and an Uninsured/Underinsured Motorist (UM) cover.
Personal Injury Protection Insurance and the No-Fault System
Personal Injury Protection (PIP) insurance will cover you, your family or any person in your car injured after an accident. Persons in your car who have their own PIP cover either through their own car or that of a family member will be covered by their own insurance policy. PIP doesn’t only apply to auto-to-auto collisions. It also includes pedestrians injured by a car, cyclists knocked down by trucks or children hurt by a school bus.
PIP is why Florida is categorized as a No-Fault state. Irrespective of who caused a car crash, each party will submit their injury claim to their own insurer. While the No-Fault system has been praised for keeping premiums low by reducing litigation, others have argued that it actually reduces drivers’ sense of responsibility, increases incidents of reckless driving and leads to higher accident fatalities overall.
Property Damage Liability Insurance
Unlike the PIP, the Property Damage Liability (PDL) is a liability cover. It provides for the damages incurred by the other person’s car or property. For example, if you crashed through your neighbor’s garage door or if you bumped into the back of a car ahead of you, your vehicle’s PDL will cover the costs incurred by the other party.
PDL does not however cater for damages to your own vehicle. You are not by Florida law obliged to take a cover for damage to your car although this is highly recommended.
Bodily Injury Liability Insurance
Bodily Injury Liability (BIL) is meant for the funeral and medical costs that another party to incur due to a collision you caused. BIL is mandatory in nearly all states. It is only optional in Florida and New Hampshire. Taking a BIL cover will increase your premiums but will also reduce your liability if you end up causing a car crash that kills or seriously injures someone else.
Uninsured Motorist Insurance
To a great extent, the uninsured/underinsured motorist (UM) cover is the opposite of BIL insurance. It provides for costs you or members of your household sustain in a car crash caused by an uninsured or underinsured driver. It covers not just any medical costs but may also reimburse lost wages, pain and suffering.
Like BIL, UM cover is not mandatory. Still, it is useful when you consider that about a fifth of Florida drivers did not have any auto insurance in 2012. According to Insurance Research Council, Florida ranks 2nd nationwide in the number of uninsured drivers. If you are in a crash with an uninsured driver who doesn’t have enough assets to pay for your soaring treatment costs, you will be forced to foot the bills from your own pocket.
Exceptions to the No-Fault Rule
The No-Fault principle requires that the first $10,000 in medical costs be charged to your PIP insurer. Car accidents can cause a wide range of serious injuries including compound fractures, paralysis, brain damage and the puncturing of vital internal organs. In the worst case, the crash may lead to death.
If death results, or if your injuries and associated costs are so high that they exceed your insurance cover, you can seek compensation for the additional cost from the at fault driver’s insurance company. Chances are, the at fault party’s insurer will not easily go along with your demand for payment. It would be best to seek the help of a Florida auto accident lawyer.
Under What Circumstances Can an Accident Lead to a Personal Injury Lawsuit?
Florida law allows the filing of a personal injury suit when either one or more of the following situations is present:
- Permanent scarring or disfigurement
- Permanent disability including hearing loss, blindness, brain damage and limb amputation
Handling Insurance Companies
Don’t believe the advertising hype. An insurance company is not your friend especially following a car accident. Knowing this can help you avoid disappointment and stress later on. Shortly after a crash, insurance adjusters will get in touch with you and may even urge you to sign some documents. Any document presented to you by an insurance company has been thoroughly vetted by the insurer’s car crash attorney to make sure it limits the company’s liability as much as possible.
Often, insurers will want to close a case fast by quickly offering the accident victim a check. When this happens, it is possible the insurer anticipates a much larger payment if the victim files an injury suit. The initial offer is meant to prevent this from happening. It is therefore that you forward to a Florida auto accident lawyer any questions, promises and forms you receive from the insurance company. You could unknowingly sign away your right to future claims.
Get Free Consultation With Florida Auto Accident Lawyer Today
Have you been injured in an accident anywhere in Florida? Has your loved one been killed after a car crash? The days after a serious collision can be painful and traumatic. You do not have to bear the burden alone. Talk to Florida car crash attorney at Paul K Schrier, PLLC for a free consultation on what your options are. You are under no pressure to sign up with us after our discussion. We keep our conversation with you confidential.
We have extensive experience handling cases involving car accidents, truck collisions, motorcycle crashes and pedestrian incidents. Our collision lawyers have helped numerous clients obtain just compensation for personal injury or wrongful death claims. It is never right for persons injured or killed due to the unreasonable and negligent actions of someone else to be left battling the financial consequences.
Life and health is priceless but reimbursement for damages and loss can make the physical and emotional healing a little more bearable. If you want someone who will be personally invested in your case, vigorously argue in your favor and pursue all legal avenues for your maximum benefit, look no further than the Florida auto collision lawyers at Paul K Schrier, PLLC.