Auto Accidents in Florida: Personal Injury
Orlando’s roadways can be a dangerous place. Between the consistent weather changes, heavy traffic and tourism, you can never be too careful. If you are injured in an automobile accident, be sure to know your coverage rights under your automobile insurance policy. Medical bills, lost wages and other expenses can add up quickly. Understanding your policy could be the difference between a nominal recovery offered by the insurance company or the just compensation you deserve for your injuries and losses.
In Florida, drivers are required to carry auto insurance to which will pay for personal injury protection, or “PIP” for short. Under Florida Statute 627.736 – “Required personal injury protection benefits; exclusions; priority; claims,” the insurance policy must provide personal injury protection to the named insured, relatives residing in the same household, persons operating the insured motor vehicle, passengers in the motor vehicle, and other persons struck by the motor vehicle and suffering bodily injury while not an occupant of a self-propelled vehicle. Personal injury protection may pay for up to 80% of medical and other listed expenses based on the policy limits of your insurance.
Senate Bill 1860 (2012) revised the Florida Motor Vehicle No-Fault Law. The bill primarily amended laws governing Personal Injury Protection “PIP” benefits under the No-Fault law, which stated accident victims must seek medical treatment within a 14 day window from the accident. Acceptable treatment providers include emergency services determined by a physician, osteopath, dentist, physician’s assistant, registered nurse practitioner or must be rendered in a hospital. If treatment is not sought within 14 days of the accident, you could risk losing the PIP benefits you are entitled to.
Although Florida is considered a “No-Fault” state, liability disputes may still arise from a motor vehicle accident. When an insurance company disputes its policyholder’s liability for the accident, the company is essentially stating that the policyholder is either not at fault or there is not enough proof of fault and will not pay for your damages. Determining liability is important to ensure you receive compensation for any property damage or medical bills that are beyond your PIP coverage. Having the right attorney to help prove liability on your behalf can be crucial for your case.
If you were recently in a motor vehicle accident, speak with Smith and Eulo for a free consultation of your case. Our lawyers are ready to help resolve your issues. Call us at 407-930-8912.