If you have been involved in a car accident in Sunrise and suffered personal injury, the clock is ticking on the time you have left to receive compensation for your injuries. Florida is one of the few states in the country that has "no fault insurance." In theory it sounds like a simple idea but in practice it is a gift to the insurance companies.
No fault insurance essentially says that your own insurance company will pay for your injuries despite who was at fault in the crash. In order to get your car registered in Florida you have to purchase an automobile policy with at least the minimum coverage for property damage liability (PDL) and Personal Injury Protection (PIP). The minimum coverage for PIP is $10,000. You could burn up $10,000 before you got out of the ER.
The PIP will pay 80% of your medical expenses and 60% of your lost wages (if any) up to the limit of the policy. It’s easy to see that $10,000, which unfortunately is the amount that 50% of Floridians have, is woefully inadequate particularly if you suffer a serious injury.
What To Do After a Car Accident Involving Personal Injury
Car accidents in Sunrise that result in personal injury can typically be classified into two groups; those you walk away from and those you are driven (in an ambulance) away from. If you are involved in what you consider a minor accident, go see your doctor anyway, particularly if you bumped your head. Often serious injuries will not manifest serious symptoms right away.
Given that there is a time limit to notify your insurance of a PIP claim, you want to get a doctor’s evaluation as soon after the accident as possible.
If you have been seriously injured with broken bones, paralysis, loss of use of an organ, major disfigurement or a permanent disability of any kind, then you need to see a car accident attorney. The law allows for an injured party to seek damages from the person or company that caused the accident if those injuries are severe.
Pursuing a claim against an insurance company can be a scary and confusing experience unless you have an expert personal injury lawyer watching your back. If that’s where you find yourself now, or if you have any questions about your rights, contact the professionals at Martin, Lister & Alvarez, Sunrise’s premier law firm, today.