With nearly 20 million residents, Florida is among the most populated states in the country. That means more drivers on the roads and more chances for you to be involved in a serious car accident. Sometimes, these accidents are unavoidable; but more often, they are the avoidable result of negligent drivers.
When these drivers cause accidents and injuries, you may be able to hold them liable for your injuries. A car accident lawyer in Davie at Coffey Trial Law can help you explore your legal options for compensation: 954-541-3194.
Our attorneys have spent more than 20 years helping thousands of injury victims recover fair compensation for their injuries. We would love to help you too.
Recovering Compensation from Your Own Insurer
Florida is one of the few “no-fault” states in the U.S. This means that drivers who are involved in accidents can receive a guaranteed financial payment to help cover medical expenses, regardless of who was at fault in the wreck.
The state requires every licensed driver to purchase personal injury protection (PIP) auto insurance.
After an accident, you will first turn to your PIP protection. Your PIP coverage will grant you up to $10,000 in medical coverage benefits, provided you see a doctor to treat your injuries within 14 days of the accident.
This is meant to prevent injured drivers from having to go through the legal system in order to receive a payout for their medical costs.
While you would think that since you pay the insurance company, it works for you, unfortunately, this is just not true.
The insurer is a business first and foremost and will be focused on its bottom line.
It may attempt to offer you a very low settlement, get you to admit you are not as injured as you claim, or pressure you to accept a settlement (i.e., threaten that you need to accept this settlement or you will get nothing).
Our attorneys know all the tricks that insurers pull and will defend your case against every single one.
Do I have any other options for recovering compensation?
Even if your insurer gives you every cent of your $10,000 PIP policy, it still may not be enough. Serious injuries that result in high medical bills, weeks out of work, and considerable pain and suffering can easily eclipse these limits.
Fortunately, if another driver caused or majorly contributed to your accident, you can hold that driver liable for your injury costs.
However, to do so, you must first prove that you suffered serious enough injuries to allow you to step outside the no-fault system and file a claim. A serious injury includes one that:
- Is permanent
- Resulted in permanent disfigurement or scarring
- Resulted in permanent or significant loss of bodily function
Once you have proven your serious injury, you must prove that the driver violated his duty of care to behave safely behind the wheel and caused your accident and injuries. If you can do so, you can recover compensation for damages including:
- Medical bills
- Lost wages
- Lost earning capacity
- Mental anguish
- Pain and suffering
How can an attorney help with my case?
A car accident case is lengthy and frustrating and requires an intimate knowledge of insurance, injury, and traffic laws.
To have a valid case, you will likely need to do most of the following:
- Speak with police or eyewitnesses to understand what happened in your accident
- Review your medical records
- Hire an accident reconstruction expert to give their thoughts on who was likely at fault based on the evidence
- Review traffic camera footage that may relate to your accident
- Speak with your insurance company to understand the terms of your policy
Most people do not have the time or resources to do many of these things. An accident attorney has the time and resources as well as the experience necessary to know exactly what to look for to make your case as strong as possible.
Our attorneys will handle your entire case from filing a claim to negotiating with insurers. We will also take your case to court if the insurer is refusing to give you an adequate settlement.
Call Coffey Trial Law Today for Help
The attorneys at Coffey Trial Law have dedicated our entire careers to getting our clients the compensation they deserve. We have insider knowledge of how insurers operate and experience fighting every trick they might use.
We will not stop fighting for you until we recover everything you need and will never accept a penny from you unless we get you the outcome you deserve after an accident.
So call us now to schedule a free, no-obligation consultation. We are available 24 hours a day/7 days a week to answer your questions and give you the service you need.
Give us a call today: 954-541-3194.