If you are a vehicle owner in Miami, Florida, then you must conform to the state no-fault insurance laws. PIP is the coverage required under the no-fault insurance laws to get Florida’s valid vehicle registration. This coverage includes medical expenses and even financial losses for anyone covered by the policy. Read on to learn about the impact of no-fault insurance laws on your car accident claim and how our Miami car accident lawyer can help protect your rights.
The Impact of No-Fault Insurance Laws on Car Accident Claims
As per FLHSMV, auto drivers should carry a minimum coverage of 10,000 US dollars in property damage liability. So, no matter what causes the accident, you can file a claim with your personal insurance company and cover your medical expenses.
PIP insurance pays eighty percent of the medical bills arising from the crash, including emergency transportation, surgical procedures, hospitalizations, nursing services, etc. Moreover, it also covers sixty percent of your gross income and the loss of your earning capacity in the future. According to the Florida Statutes § 627.736, the insurers should pay disability benefits every two weeks. Also, if a loved one dies in an accident, then PIP provides 5000 US dollars in death benefits for the covered individual. The insurer pays benefits apart from the coverage for the deceased.
It is vital to understand that PIP provides coverage irrespective of who contributed to the accident. Hence, PIP facilitates medical attention promptly for all parties without immediate concern about the fault determination.
However, it is equally important to understand the limitations of the no-fault insurance framework. These are the following:
- You can only utilize PIP benefits within 14 days from the day of the crash.
- Also, your eligibility to benefit from the full 10,000 US dollars lies on the healthcare professional diagnosing you with serious medical conditions during this time window.
Hence, failure to conform can limit your ability to benefit from PIP coverage or completely lose benefits.
When Can You Seek Compensation From the Negligent Party, and How Can a Miami Car Accident Lawyer Help?
While no-fault insurance aims to simplify the claims process, there are exceptions where victims can step outside the no-fault system to pursue additional compensation. In Florida, a threshold allows individuals to sue the at-fault party if the injuries are severe. This threshold includes:
- Permanent and significant bodily function loss
- Permanent injury that is medically probable
- Significant and permanent scarring or disfigurement
- Death
This is where a Miami car accident lawyer like Attorney Big Al can provide invaluable assistance in filing a car accident claim under no-fault insurance laws. They can help you understand your rights and the full extent of your coverage, ensuring you receive all the benefits you’re entitled to under your PIP policy.
If injuries are severe, a car accident lawyer can help you determine whether the case meets the legal threshold to sue the at-fault party for additional compensation beyond what no-fault insurance covers.
Lawyers can also negotiate with insurance companies, advocating for a fair settlement. They gather and present the necessary evidence to strengthen your claim. A lawyer’s experience becomes crucial in protecting your interests in disputed fault or potential fraud.So, don’t delay! If you’re injured in an auto accident, hire our experienced Miami car accident lawyer. Contact us for legal representation.