Naples Area Personal Injury Lawyer Explains What To Do After a Car Accident
If you’re involved in a car accident in the Naples area where you or a passenger may have suffered an injury, there are a number of steps you should take as soon possible to be sure you don’t forfeit your rights under the law. The clock is ticking on the time you have to receive compensation for your injuries. Florida is one of the few states in the country that has no fault insurance. That sounds good on paper but doesn’t always work out that well if you’ve been injured. It often turns out to be a gift to the insurance companies.
In theory, with no fault insurance you don’t seek damages from the liable party, instead your insurance pays for your property loss and medical expenses. The problem with Personal Injury Protection(PIP) as it is called is that it is limited to actual medical expense and lost wages. There is no provision for ongoing expenses or pain and suffering. Also, the maximum amount paid out is usually $10,000. The PIP will pay 80% of your medical expenses and 60% of any lost wages up to the limit of the policy. Half of Floridians have only $10,000, which is woefully inadequate if you’ve suffered a serious injury.
What To Do After a Car Accident
Car accidents in Naples that result in personal injury can typically be classified into two categories; those you walk away from and those you leave in an ambulance. Even if you’ve been in a minor accident, see your doctor anyway, particularly if you hit your head. Some serious injuries will not show symptoms right away.
The steps you take after an accident will affect your ability to collect on PIP or file a personal injury lawsuit. Here are some key steps to take:
- Take pictures or video of the cars involved and the other drivers/passengers with your cell phone.
- Gather the contact information from witnesses.
- Always seek medical attention. Concussions may not be immediately obvious and traumatic brain injury (TBI) may not show up for a week or longer. Get medical attention so you don’t miss out on the 14-day deadline.
- Call 911 for medical assistance immediately after the accident.
- Don’t rely on the police report to be complete and/or entirely accurate.
- If you are hurt consult with an experienced personal injury attorney right away and find out what steps are available to you.
Making a claim against an insurance company can be a difficult, stressful and confusing experience. You need an expert personal injury lawyer that has your back. If you have any questions about your rights, contact the professionals at Martin, Lister & Alvarez today, the Naples’s area premier personal injury law firm, for a free case evaluation.