Who Pays The Bills After A Car Accident In Florida
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.
If you are injured in a car accident, your medical costs will depend on the severity of your injuries and the type of coverage you have. If you were not at fault for the accident, the other party’s insurance should cover your medical expenses. However, if you were partially at fault or if the other party does not have sufficient insurance coverage, you may be responsible for some of the costs.
It is important to keep detailed records of all medical expenses related to the accident, including hospital bills, doctor’s visits, physical therapy, and any medications or medical equipment needed for your recovery. These records will be crucial when filing an insurance claim and seeking compensation for your injuries.
If the other party was at fault for the accident and does not have sufficient insurance coverage to cover your medical expenses, you may need to pursue a personal injury lawsuit to recover the full amount of your damages. This can be a complicated and lengthy process, so it is important to seek legal advice from a qualified attorney to ensure your rights are protected.
Overall, the impact of medical costs from a car accident can be significant, but it is important to seek the appropriate legal and insurance assistance to ensure you receive the compensation you deserve for your injuries.
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. Additionally, it is important to consider purchasing Bodily Injury Liability coverage even though it is not required in Florida. This coverage can protect you financially in the event that you are at fault for an accident and the other party’s medical bills exceed your PIP coverage limits. Bodily Injury Liability coverage can help cover these expenses, as well as legal fees and potential lawsuits.
It is also important to note that Florida has a “no fault threshold,” which means that in order to pursue a claim against the at-fault driver for pain and suffering, your injuries must meet a certain threshold of severity. This can make it more challenging to recover compensation for non-economic damages in Florida.
Overall, it is important to understand the insurance requirements and laws in Florida when it comes to auto accidents and personal injury claims. Working with an experienced attorney can help you navigate the legal process and maximize your chances of receiving fair compensation for your injuries.
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).
Dr. Gomez is the best option for people looking for a chiropractor in Miami because of her patient-centered philosophy and dedication to high-quality healthcare. You can get in touch with Dr. Gomez in Dade County by calling 305-761-6528, Broward County by dialing 954-510-5518, and Palm Beach County by dialing 561-414-2401.