If you have been in a car accident in Florida, you might be wondering how the state’s no-fault insurance law impacts your ability to make a claim. Florida is a no-fault insurance state. It means that your insurance covers your medical costs and other expenses following a crash, no matter who caused the accident. This might seem easy; however, there are numerous details you have to find out to protect your rights and receive the compensation you deserve.
For residents of metropolitan areas like Fort Lauderdale, this law is particularly important. Accidents frequently occur in Fort Lauderdale, and getting the proper legal counsel can make all the real difference. Fort Lauderdale car accident attorneys can help you deal with challenges in no-fault insurance claims and fight for you.
What is No-Fault Insurance?
Florida’s no-fault law requires that drivers carry PIP insurance. This kind of coverage can guarantee up to $10,000 for health costs, lost earnings, along with additional costs following an accident. No matter who caused the accident, your PIP coverage pays for all those initial expenses.
However, PIP has limits. If your medical expenses or other expenses exceed $10,000, you might have to pursue further compensation. Here things get complicated, and understanding your rights is important.
Can You Sue the At-Fault Driver?
Even with no-fault insurance, you can sue the reckless driver. As an example, in case your injuries are severe and you meet Florida’s legal definition of “serious injuries,” you can file a personal injury case. Broken bones, substantial injuries, or scarring that result in long-term disability are oftentimes serious injuries.
If you’re in Fort Lauderdale and find yourself in this position, having a local attorney who understands the city’s legal landscapes could be invaluable. Car accident attorneys know the challenges accident victims commonly face in the area and can assist you in determining if your injuries are covered by sources other than your PIP.
Why is No-Fault Insurance Important in Fort Lauderdale?
Fort Lauderdale has crowded roadways and high traffic. Whether you are traveling to work, heading to the beach, or simply running errands, the chances of an accident are greater here. Hence, it is important that you know Florida’s no-fault insurance law.
In case of an automobile accident, no-fault insurance will give you cash fast for immediate expenses. This can help you save stress and time. But with PIP benefits being capped, a lot of accident victims in Fort Lauderdale end up needing extra help for filing a claim against the at-fault driver’s insurance.
How Can an Attorney Help?
The financial and legal battle of a car accident is frustrating if you have sustained physical injuries. Car accident lawyers can assist you throughout the whole process. They can manage negotiations with insurance companies that try to minimize payouts. With an attorney on your side, you may concentrate on your recovery, and they are going to fight for you to get the compensation you deserve.
Final Thoughts
If you live in Fort Lauderdale, you have to know how no-fault insurance works. It shows you what you should do following an accident and the way to deal with issues later on. You can seek out professional assistance in case you need any help.
