Do I Need an Attorney if I Am in An Accident?

Sometimes in our lives we are suddenly thrust into being a victim of an unfortunate auto accident. It is inconvenient, time-consuming and often overwhelming. Decisions have to me made that can affect you, your family and your finances. One of the most important decisions you will make is whether you need a attorney. If you were not injured in the accident and just have property damage, you probably do not need an attorney and can handle the matter on your own. Most attorneys will not take a property only damage claim. If you are the non-fault party, the other driver’s insurance should cover your property damage claim. If the other driver does not have insurance you can turn it into your insurance carrier if you have collision coverage. If your car is not totaled, take it to where you want it to get it fixed (a dealer or reputable car repair business), and let them deal directly with the insurance company to properly fix your car. If your car is totaled, then get online and try to get a good estimate of the actual cash value or fair market value of the car. Use this amount in your negotiations with the insurance company as it is a good reference point.

If you were injured in an auto accident, it is always wise to consult with an attorney to better understand all your options. In Florida you have to navigate through Personal Injury Protection (PIP) coverages as well as whether you can file a lawsuit for non-economic damages. In Florida there is a threshold that must be met before a lawsuit can be filed against the at-fault driver for pain and suffering, mental anguish and inconvenience. You must meet one of the following criteria:

  • Significant and permanent loss of an important bodily function
  • Permanent injury with a reasonable degree of medical probability
  • Significant and permanent scarring or disfigurement
  • Death

It is important to talk to an experienced personal injury attorney about these threshold requirements and if you meet them. Also they can advise you as to what PIP covers. There are also certain accidents that don’t require you to meet the threshold requirement such as if you were operating a motorcycle, in a taxi or on a scooter. Personal injury law can be quite a maze to try to navigate your way through, and this is why an attorney can be so valuable to protect your interests. If a lawsuit is filed, you should always have an attorney. Florida Civil Procedure has certain requirements which if not met can risk your suit being dismissed. A good attorney will take the pressure off of you and allow you to recover, while he or she handles the legal side of the claim. Insurance companies may try to dissuade you from retaining an attorney and try to throw a few dollars at in you exchange for a release of the claim. Be careful as once you sign the release in almost all cases, the claim is gone and cannot be resurrected.

An experienced personal injury attorney will have a good idea as to the value of the case and what would be a fair settlement. Also if the case is litigated, depositions and other discovery is conducted and you want a good attorney handling these matters. It is almost impossible to try to do this on your own. Also if the case is tried in front of a jury, you want a personal injury attorney with trial experience that can tell your story in front of a jury in a compelling and passionate way. There also might be issues of bad faith that may need to be explored depending on the insurance company’s actions.

Florida does have minimum low limits of liability of $10,000 per person and $20,000 per accident. An experienced lawyer will help you find all available forms of insurance and assets so you can be fully compensated. He or she can also advise you if it is worth retaining an attorney if there is only minimum limits of insurance available.

A personal injury attorney should always act in your best interests to help you obtain fair compensation. The fee is contingent so you are not required to come up with a retainer or pay an hour rate. This helps to alleviate any financial burden for the accident as the attorney only gets paid if  he settles your case or gets a verdict for you.

It is always wise to have a personal injury represent your interests if you were injured in an accident. He or she should communicate with you about your case and keep you fully informed as to the progress of your case. You should feel comfortable working together with your attorney as a team and trust that he or she is acting in your best interests. Your attorney should give you a roadmap as to what to expect as the case moves forward and should keep the case moving toward resolution. The court system can be slow, but the attorney should not cause any unnecessary delays due to his or her actions.

Florida personal injury law can be tricky and has many traps for those who do not understand the process. Insurance companies may act like they are your best friend, but they want to settle the case as cheap and quickly as they can. They usually do not have your best interests in mind even though they run many television commercials claiming they do. An experience personal injury lawyer will help you navigate the traps and will represent your interests not the insurance company’s interests. In order to obtain justice in your case, it is always prudent to get an attorney to fight this battle for you. If you have been injured in a trucking, auto or motorcycle crash, call or email Rowe Law Offices for a free consultation as to your rights and remedies. It may be the most important call you can make.

Florida PIP Law in an Auto Crash Case

Personal Injury Protection, or “No-Fault” car insurance, is mandated by the state of Florida for all drivers to carry. PIP pays for injuries you sustain in an accident regardless of who was at-fault in the accident. Just like other states that mandate PIP however, Florida has its own set of special laws and regulations. Under Florida law it is required that every vehicle owner and driver on the road have $10,000 worth of PIP insurance coverage.PIP benefits are paid by your own insurance company if you are in an accident. Florida PIP covers medical costs, lost wages and death benefits. 19,000 of PIP coverage can be used up quickly so it is important to make sure you have adequate uninsured and underinsured coverage, as many drivers have no insurance or just the minimum coverage of $10,000 per accident.

Medical Costs

Most medical costs will be covered by PIP with the exception of popular, but not widely accepted practices such as acupuncture. In other states, PIP will generally cover the injuries of anyone in your household, but in Florida you can choose whether you want your PIP to cover just yourself or other residents in your household. The following are eligible for a PIP claim:

  • Medical Services and Medication Surgical Services and Hospital Expenses
  • Rehab Costs
  • Diagnostic Services
  • Ambulatory Services

What sets apart Florida from other states is that only 80% of your medical costs will be covered by PIP. So if you have injuries which cost $10,000, PIP will only pay for $8,000 worth of that. Furthermore, if your injury is not considered an emergency, you will actually only be entitled to $2,500 worth of benefits. If you have a good health insurance policy, it should be able to take care of the rest of the costs, but be sure it will cover car accident injuries.

Florida PIP and Economic Benefits

If you are injured in an accident, and are disabled, Florida PIP will pay for 60% of your lost wages, subject to a $10,000 limit. This payment also includes services you would normally do, but now cannot because of the accident. These services include daily chores like doing laundry, cleaning the house, taking care of pets, etc.

Death Benefits of Florida PIP

If the policyholder were killed, PIP would pay for their funeral and burial expenses in addition to the benefits listed above. You, or your next of kin, are entitled to $5,000 for those associated costs.

When and How to File a PIP Claim in Florida

Florida has strict rules to follow when filing a claim for PIP. The most important is that treatment for any injuries must happen within two weeks of the car accident to be eligible for PIP reimbursement. Your claim will not be accepted after 2 weeks. Due to a high incidence of insurance fraud in the state of Florida, your insurer has up to 60 days to investigate your claim for any falsehood, but must pay for your damages within 30 days, even if there is suspicion. If your case is not straightforward, or your insurance company is giving you issues, it may be a good idea to get a personal injury lawyer to ensure you get your payment. In the meantime, you should keep a log of all of your medical expenses following the accident.

For the work loss benefits, you will need to submit a “Wage and Salary” verification that is filled out by your employer. The verification documents your wages in the 13 weeks prior to the accident. A lawyer might help ensure your employer fills out the verification in a timely manner. You may also be required to get a note from your physician detailing how you are disabled.

Florida PIP Law Still Gives You a Right to Sue

No-fault states like Florida institute PIP laws to reduce the amount of people suing each other over damages. Most no-fault states, including Florida, only allow drivers to sue when the injuries are considered severely disfiguring and/or permanent or resulted in death. Florida however, also allows drivers to sue even if the injury is not severe, so long as the medical costs exceed $10,000. So if you are injured in an accident, which results in $20,000 worth of hospital bills, you are allowed to sue the other driver for the remaining $10,000 not covered by your PIP. You may also sue them for any emotional pain and suffering you think the injuries have caused you.

Considering the average hospital stay after an accident is around $60,000 it is probably a good idea to have a good amount of bodily injury liability coverage on your policy. While Florida does not make that coverage mandatory, if you were to get sued for excessive medical costs, the other driver can sue against your bodily injury insurance, rather than you directly.

Why You Should Also Consider Adding Medical Payments Coverage

Medical Payments or MedPay is essentially the same type of insurance as PIP except it does not have economic benefits. It may be worth having on your policy in Florida because the limits are quite low. MedPay can add an extra $5,000 worth of coverage for around $100 per year for our sample 30 year old driver. Additionally, MedPay can also help pay for the 20% of your costs that PIP won’t cover, if your health insurance won’t cover it as well. MedPay can also help pay down the deductible on your PIP.

If you have been injured in a Florida accident, and want to know your legal rights under PIP and compensation for your injuries and pain and suffering, call Rowe Law Offices for a free consultation.