In Florida we have a "No-fault" law. That does NOT mean that fault doesn't matter when you are involved in a car accident or are hit by a car when you are a pedestrian or on a bicycle.
The law simply means that some of your medical bills and lost wages will be paid by your own insurance company, even if the other party was at fault. No-fault also provides payment for prescriptions, physical therapy, and even mileage for visits to the doctor, pharmacy, or physical therapy. The payments may be subject to a deductible, which you must reach before the benefits will begin.
The "No-fault" law also may impact whether you are entitled to additional benefits from the other party. An attorney can tell you whether you meet those additional requirements.
Even though Florida has a "No-fault" law, that law has nothing to do with who pays for the repairs or replacement of a damaged vehicle. If the other party caused the collision, they or their insurance company are responsible for the damage to your car. If the other party has no insurance to pay for your car, or if you cannot agree with them on the amount owed, then your insurance company will pay under the collision coverage of your policy. Collision coverage is optional so you have to see if you have it on your policy. If you have collision coverage, it may be subject to a deductible listed on the policy.
If you have health insurance, that may also provide benefits. It is usually best to have your automobile insurance pay as many of the bills as possible. When health insurance pays your medical bills, you may be required to pay them back when you receive a recovery from the party that was at fault. If you are on the job when the collision occurred, your Worker's Compensation insurance company will pay all of the related medical bills. Uninsured motorist coverage may also be a source to pay medical bills.
It is important that you choose the correct source to pay medical bills to maximize the recovery you receive. Make sure that your attorney agrees to help you in dealing with the medical bills as a part of your case.
If you are on the job when the collision occurred, your Worker's Compensation insurance company will pay a percentage of your lost wages, even if you were at fault. Private disability coverage may also become available. It is important that you choose the correct source to pay lost wages to maximize the recovery you receive.
Uninsured motorist insurance (UM) provides coverage to you and your family if the person that causes the injury has no insurance, or less insurance than is necessary to compensate for the injuries.
UM from your automobile policy protects you and family members that live with you. The protection applies in your insured cars, as a pedestrian, when on a bicycle, or when you or the family member are in someone else's car. It also applies to passengers in you car if you are involved in a collision caused by someone else.
It is sometimes difficult to determine how much coverage is available. In some cases, the dollar amount of coverage can be stacked or multiplied, depending on certain factors. An attorney that is knowledgeable in UM cases will be able to determine the total amount of coverage available by asking you a series of questions. You owe it to yourself to get the best recovery possible.
If you meet certain requirements, you will be entitled to compensation for your pain and suffering, in addition to your medical bills and lost wages. Whether you get a recovery for pain and suffering and how much that will be will vary from case to case. An attorney experienced in these types of cases can determine whether your injury will meet the requirements of the law.
We have a full-time investigative staff and paralegal assistants to help investigate and prepare your case. You owe it to yourself to get the most compensation to which you are entitled. If you have suffered injuries in any type of accident involving the carelessness of others or a defective product, our firm will assist you with all aspects of your claim. This includes helping resolve PIP benefits in auto cases, whether it's medical bills or last wages. We will also help you with your third-party claim against the at-fault party, their insurance company and any uninsured motorist claim against your own insurance carrier, if applicable.
Established in 1976, the firm has four distinguished attorneys to represent you. The firm has been awarded the coveted "AV" rating from Martindale - Hubbell, the most authoritative legal rating source in the world. An "AV" rating is the highest rating available and is awarded only to select firms. Not all attorneys or firms are rated, and the "AV" rating signifies "legal abilities are of the very highest standard" and that "professional ethics are unquestioned."