Car Accident Fort Lauderdale

How No-fault Insurance Works With Car Accidents in Fort Lauderdale

A car accident in Fort Lauderdale is at a minimum an inconvenience and could potentially be a life changing event if you are seriously injured. The automobile accident attorney firm of Martin, Lister & Alvarez want to share with you what your options may be if involved in a Fort Lauderdale car accident.

Florida is a no-fault insurance state which operates differently than the way insurance in most states does. If you are in an accident that only involves property damage then the at fault driver’s insurance can be tapped to pay for the repairs to your vehicle much the same way that "at-fault" insurance works.

However, when it comes to injuries sustained in car accidents it’s an entirely different story. In Florida car accident injuries are paid by your own insurance policy regardless of who was responsible.

Every motorist is required to carry $10,000 in Personal Injury Protection coverage. It is this coverage that pays 80% of your medical expenses and lost wages up to the policy limit.

While this law definitely simplifies the process it also denies injured parties from collecting pain and suffering and other non-measurable losses. In general, no fault is a good deal for the insurance companies and not so great for consumers.

When You Need a Fort Lauderdale Car Accident Attorney

There is an exception to the rule of no-fault that allows you to sue the responsible party for personal injury. If you have sustained an injury that causes a permanent disability, permanent scarring or disfigurement or loss of a bodily function you can file a lawsuit to recover damages.

This is when you need a Fort Lauderdale car accident law firm like the experts at Martin, Lister & Alvarez.

It’s also very important that you contact an automobile accident attorney as quickly as you can after the accident. There are statutes of limitation to be concerned about but the bigger issue is limiting the responsible party’s insurance company from contacting you. As soon as you receive a prognosis of permanent disability the insurance company will descend on you and try to settle. Their idea of a fair and just settlement will be significantly less than your idea.

If however, you have engaged a personal injury attorney then all communication between you and the insurance company runs through the lawyer first. In short, you are spared the stress that the insurance company can cause.

If you need more information on this topic give us a call and we will be happy to share our opinion.