Car accidents can cause serious and devastating injuries. Under Florida’s no-fault auto insurance law, a limited amount of compensation for your medical bills, lost wages, and other damages is available through your own personal injury protection (PIP) insurance coverage. Under certain circumstances, you may also be able to collect additional compensation through the at-fault driver’s liability insurance policy.
At the Law Firm of Anidjar & Levine, we can help you navigate the claims process and recover the compensation you need to cover your damages. Call us today at 800-747-3733 to speak to a Jacksonville car accident lawyer and schedule your free case evaluation.
How can I recover compensation under my PIP policy?
Florida requires drivers to carry a no-fault insurance policy, often referred to as PIP coverage. This policy pays out to cover your medical bills, lost wages, and other damages no matter who caused the crash.
After a crash, you can contact your insurance company to file a claim. It should pay out to cover your damages up to the limits of your policy, but will not provide any coverage for pain and suffering damages.
The state requires you carry $10,000 of PIP coverage. Since many car accident injuries are relatively minor, this may be enough to cover all your medical bills. We can help you file this type of claim and prove your losses to the insurance company.
What if I need more money than my no-fault policy provides?
After a major car accident that requires emergency transport to the hospital, hospitalization, surgery, and inpatient rehabilitation, you will likely owe much more than your PIP policy will cover. If you meet certain criteria, you can file a claim against the driver who caused the crash. This strict requirement is sometimes called the “serious injury threshold,” because Florida state laws refer to qualifying injuries as “serious.”
If you need additional compensation above and beyond the payout from your no-fault insurance coverage, we can help you determine if you meet this threshold and help you navigate the claims process.
Some of the injuries that could qualify include:
- Injuries that cause a significant impairment to an important bodily function;
- Permanent injuries;
- Scarring or disfigurement in significant areas or causing permanent impairments; and
- Injuries that will lead to death.
If you do meet this threshold, we can file an insurance claim based on the at-fault driver’s auto liability policy. Often, the insurance company sees the wealth of evidence against the driver they insure and we are able to negotiate a fair settlement. If this is not possible, we can file a lawsuit to recover the compensation you deserve.
We can also help you collect the compensation your family deserves if you lost a loved one in a car crash. Death from accident injuries meets the Florida threshold, meaning we can file a liability insurance claim and hold the at-fault driver accountable for the damages they caused.
What if I am partially at fault for my car accident?
When we file a claim against the at-fault driver in a crash, they often attempt to shirk responsibility for the crash injuries. One of the most common ways this happens is by denying fault and claiming you were at fault in the accident. We will build a strong case against the liable party and provide evidence to minimize your role in causing the accident and your resulting injuries.
In some cases, though, you may share in the responsibility for the accident or your injuries. Under Florida’s comparative negligence statute, this does not prevent you from collecting compensation, but it does reduce the amount you can recover.
Imagine you were not wearing a seatbelt at the time of the crash. While this would not have prevented the other driver from plowing into the back of your car at a stop sign, it might have lessened your injuries and reduced your damages. You might be partially at-fault in this case. If your total damages were $100,000 and you were 30% at fault, you could only collect $70,000 from the other driver.
What kind of damages can I recover in a car crash claim?
Depending on the type and severity of your injuries, you may have a wide variety of damages. We collect the evidence to prove your expenses and losses and fight for the maximum amount of compensation to cover:
- Medical bills;
- Ambulance transportation costs;
- Inpatient rehabilitation and outpatient therapy;
- Lost wages due to missing work;
- Income lost because you cannot return to your previous job;
- Property damage to your vehicle and its contents;
- Most other accident-related costs; and
- Pain and suffering, if filing a third-party liability claim.
After you select us to represent you through the claims process, we can collect documentation of your losses and determine an approximate value for your claim. We can also work with experts to help calculate potential future care needs and other expenses.
How long do I have to file a Jacksonville car accident claim?
Florida law gives you four years to file a lawsuit in a personal injury or property damage case, including qualifying car accident cases. For this reason, you should call us as soon as your injuries stabilize to speak with a car accident attorney. We need as much time as possible to prepare and file the insurance claims in your case.
Be aware that some cases have an even shorter statute of limitations. For example, if an employee of a government agency driving the agency’s vehicle struck your car, you may have much less time to notify them of the incident and of your intent to file a claim.
How can I reach a Jacksonville car accident lawyer about my case?
At the Law Firm of Anidjar & Levine, we understand how stressful it can be to worry about your family’s financial health while also trying to recover from your injuries. We can worry about fighting for the compensation you need to pay medical bills, cover lost wages, and take care of your family. Call us today at 800-747-3733 to schedule a free, no-obligation case evaluation.