After an accident, getting the compensation you need for your injuries is the key to a successful recovery. If you have been injured in a Miami car accident, hiring legal representation can help you get the most from your case. Call us toll-free at 1-800 INJURED today to review all of your options with an experienced attorney from our referral network.
Texting Related Car Accidents in South Florida
The most dangerous form of driver distraction is texting while driving. The National Highway Traffic Safety Association reported that a car accident is 23 times more likely to occur when a driver is texting. They also found that 30% of all accidents in the U.S. result from a driver who admits to texting right before the crash. With these statistics, it’s no surprise that every year more and more people suffer injuries in car collisions caused by texting and driving.
Naturally, with the increase in accidents caused by texting and driving, there has also been an increase in insurance claims and personal injury lawsuits. It is crucial that you understand Florida’s laws regulating compensation after a car crash to get the money you need to cover your accident damages and injuries.
Florida’s “No-Fault” Insurance Law
To begin with, Florida is a “No-Fault” Insurance state. This law requires car insurance companies to cover some of your car accident damages regardless of which driver is responsible for the crash. By law, drivers with a vehicle that has four or more wheels must purchase full-liability auto insurance with a minimum of $10K in Personal Injury Protection (PIP) coverage. These PIP benefits are intended to cover your accident-related medical bills and lost wages.
However, it should be noted, that many insurance companies are often reluctant to make proper claims, and frequently restrict payouts. Insurance adjusters are trained to lowball clients to protect the company’s bottom line. Often, they will try to save money by using tactics like arguing coverage based on liability for the accident, disputing the billed amount of your medical bills, and pressuring clients like you to sign a settlement as soon as possible.
Luckily, you don’t have to fight your haggling insurance company alone. Hiring legal representation can help you get the maximum compensation you need for your case by preventing adjusters from basing your compensation off of unfair practices and improper investigations.
Personal Injury Lawsuits
Depending on your circumstances, an attorney might also recommend filing a personal injury lawsuit. There are two exceptions to Florida’s No-Fault insurance law which allows certain individuals to recover additional compensation for their accident damages. If you have more than $10K in medical bills and lost wages, or you have a sustained a permanent injury, you may be able to sue the at-fault driver for any out-of-pocket expenses stemming from the accident (medical bills, lost wages, and loss of future earning potential) and intangible losses like your pain and suffering.
Call 1-800 INJURED To Get Started On Your Case
1-800 INJURED is a medical and attorney referral service. We work with a network of experienced attorneys dedicated to assisting clients to recover after a crash. Whether you are filing an insurance claim or personal injury lawsuit, hiring a competent attorney can help you get the maximum compensation for your injuries. Call us today at 1-800 INJURED to get started on your case by going over your options with a trusted personal injury attorney from our referral network.