It is important to consult with an attorney before accepting any settlement offer from an insurance company. Often, insurance companies try to settle claims for much less than what they are worth when an attorney is not involved. Let us help you maximize your compensation after an accident.
What Does it Mean to be a “No-Fault” State?
Florida is a “No-Fault” state, which means that if you are injured in a car accident, your own car insurance pays for your medical expenses—regardless of who was at fault. This coverage is provided through Personal Injury Protection (PIP), which is required on all Florida auto insurance policies. PIP covers up to $10,000 in medical expenses and lost wages and is designed to ensure that accident victims receive prompt medical treatment without having to prove fault.
It depends! Most of the time we are able to settle personal injury cases through negotiations and without litigation. However, in instances where a fair settlement cannot be reached, we are fully prepared to take your case to trial to ensure that you are properly compensated for your injuries and losses. Keep in mind that in Florida, around 95% of personal injury cases are settled outside of court and about 5% proceed to trial.
Who Pays To Fix My Car After an Accident?
After a car accident, the at-fault driver’s insurance is typically responsible for paying for your vehicle repairs. However, there are two common exceptions: 1) If you want your car repaired immediately, or 2) If the at-fault driver’s insurance coverage is insufficient.
Insurance companies often delay the property damage process until they confirm liability, which can take time as they review the police report and speak with their insured. If you don’t want to wait, you can choose to have your own insurance company handle the repairs right away.
Another issue involves Florida’s minimum Property Damage Liability (PDL) requirement, which is only $10,000. If your repair costs exceed this amount, the at-fault driver’s insurance may not fully cover the damage.
In both scenarios, your own insurer can step in to pay the difference and later seek reimbursement from the at-fault party’s insurance through a process known as subrogation.
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