If you were involved in a car accident in the Fort Lauderdale area that was not your fault, you should not have to pay for medical bills related to your injuries. In order to recover damages after an accident, you need to submit a claim to your insurance company under your personal injury protection (PIP) policy.
Understanding The Car Accident Claim Process in Fort Lauderdale
Understanding the car accident claim process can be difficult for a number of reasons. Florida is a no-fault state, meaning that your compensation after an accident largely comes from your own insurance regardless of who is at fault. Even then, the insurance company may not offer enough car accident compensation, if any, to cover your damages.
If you receive a claim denial from the insurance company or your policy did not provide enough to cover your damages, you have the option to hire an attorney and start the process of filing a car accident lawsuit.
Steps to Take When Filing a Fort Lauderdale Car Accident Claim
Unfortunately, serious injuries happen far too often to drivers and passengers in Fort Lauderdale and across Broward County. According to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV), 24,762 drivers in the county suffered injuries in car accidents by the end of 2017. Another 225 people lost their lives in collisions.
If you were involved in a car accident in which significant property damage and injuries occurred, you will need to take a few steps to recover compensation. For more help call our Fort Lauderdale car accident attorney.
See a Doctor After an Auto Accident
Whether you need to go to the hospital in an ambulance or you are able to go home after the crash, you should follow up with your personal doctor as soon as possible after the crash. Note that in order to qualify for PIP coverage, you will need to see a doctor within 14 days of the collision. Otherwise, the insurance company can automatically deny your claim.
You Need to Have a Record of Your Injuries
You need to have a record of your injuries to submit to the insurance company, and if you have any plans to bring a lawsuit against the other driver. The doctor will be able to document what happened to you, while also laying out a treatment plan. The doctor acts as a neutral third party in any lawsuit related to the crash.
It is important to follow your doctor’s plan for recovery. Should you fail to complete all of the steps your doctor lays out for your treatment plan, the insurance company may question the true severity of your injuries. It can also undermine your case in court.
Collect Evidence of your Car Accident Injury Case in Fort Lauderdale
Though Florida is a no-fault state, it is still a good idea to collect evidence regarding your accident case. This can help you take your case to trial if necessary.
Police officers will generally investigate what happened in the crash. They may issue the other driver a ticket, depending on the evidence they find. This traffic ticket and investigation can help you prove that the other driver played a significant role, paving the way for you to receive the compensation you deserve in court.
PIP Coverage Amounts in Fort Lauderdale
Florida Statutes 627.736 states that PIP coverage has a limit of $10,000 per person for medical and disability benefits, with $5,000 available in death benefits. However, PIP benefits will only cover 80% of your medical bills after a $1,000 deductible. This leaves the remaining costs to you unless you purchase extended coverage or rely on your health insurance.
Depending on the severity of the accident and your injuries, this may leave you facing thousands of dollars in medical bills, on top of the costs to repair or replace your vehicle. It also does not account for your own pain and suffering, even if the other driver was at fault for the collision.
For this reason, you may still want to seek out a personal injury attorney after an accident in Fort Lauderdale. A lawyer can help you determine if you have enough evidence to take your case to trial and recover additional damages for all of your losses.
Seeking Help from an Auto Accident Attorney
You have the right to try to seek your auto accident compensation with the help of a personal injury attorney. The team at the Law Offices of Wolf & Pravato is ready to defend your right to seek damages after an accident that was not your fault.
Contact the Law Offices of Wolf & Pravato
We treat our clients like family, and we take pride in helping car accident victims secure the compensation they need. Should you have missed work because of your injuries or if you are facing a long-term disability, we may be able to help you seek a fair settlement. If necessary, we can take your case to court and fight for damages on your behalf. For a free consultation, contact our Fort Lauderdale personal injury attorneys today at (954) 633-8270.