If you have been in a car accident in Miami or North Miami, it’s important to make sure you are aware of what happens in the aftermath of the crash.
If you are injured in a car accident, you must determine who was at fault and what type of coverage is held by the drivers to make an insurance claim. Below is some information on how the medical costs would impact you and the other party involved in the accident.
Injured Party’s Medical Expenses:
It is important to note that Bodily Injury Liability (BI) coverage is not required to drive an automobile in the state of Florida legally. This means that for any accident in Miami, your Personal Injury Protection (PIP) coverage would kick into play. Florida is one of ten states that offers PIP (no fault) auto insurance, and this insurance provides injured drivers with up to $10,000 in immediate medical coverage instead of determining fault through the court system. Once you’ve used up your PIP benefits and decide you want to make a claim against the driver at fault for the crash, your attorney will help prepare your claim. Keep in mind that the opposing insurance company will want to minimize their payout, so your claim heavily relies on the ability of your attorney to present a strong case.
Uninsured and Underinsured Auto Accidents ( UM )
In some cases, after you’ve used up your PIP coverage, the other driver has no other insurance or coverage that is sufficient to cover any costs related to your injury. In situations like this, your uninsured or underinsured motorist coverage can sometimes cover the damage caused by the negligent party. If the negligent party was underinsured, your insurance will cover any difference between your losses and the amount received from the other party’s insurance company. If you don’t have this coverage, you should contact an attorney to receive compensation for your injuries from the accident.
Collecting compensation through your uninsured motorist coverage can be complicated, as insurance companies require a much lengthier investigation that consists of many steps before they make any settlement. Unfortunately, insurance companies often try to limit payouts based on how much they believe a claim is worth after their investigation. If you receive a payout that you don’t believe adequately covers your losses, your attorney may be able to file a lawsuit against your insurance company to try and receive additional compensation.
Let Dr. Keren Gomez and her team Treat Your Auto Injury
Please note that if your insurance has expired, or maybe you were driving with out auto insurance and you have an attorney, you can go to the office of Dr. Keren Gomez for treatment under a Letter of Protection (LOP).
Contact us today at 305-761-6528 to learn all more about how our chiropractic treatment can help with your auto injury.