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Available Coverage in a Car Accident

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car accident

If you were injured by a negligent driver in the state of Florida, it is crucial to know what sources of compensation can cover your medical bills, lost wages, and pain and suffering. Under Florida’s No-Fault Law, you need to submit a claim to your available personal injury protection policy (referred to as PIP coverage) if you suffer an injury due to someone else’s careless driving. PIP coverage is an extension of your car insurance policy that covers 80% of your medical costs and 60% of your lost wages up to a $10,000 limit. This cap also covers various out-of-pocket expenses, including mileage and transportation to and from your doctor’s office.

In order to receive maximum benefits, you must seek medical treatment within 14 days of the accident and the treatment must establish an emergency medical condition (EMC). Once your PIP has been exhausted, you need to seek available coverage through the negligent driver’s bodily insurance policy (BI). This amount will vary depending on the at-fault driver’s liability coverage.

Finally, and most importantly, you can turn to your Underinsured/Underinsured Motorist Coverage (UM) if there is no BI available and you have damages that exceed your PIP benefits. Electing to carry a UM policy is the only true way to protect yourself in case of an accident.

Explore Your Legal Options with an Experienced Legal Team

Contact the Fort Myers car accident law firm at Powell, Jackman, Stevens & Ricciardi, P.A. if you require legal representation after a motor vehicle collision. Our legal team has over 70 years of collective legal experience and a comprehensive understanding of this challenging legal process. We can diligently research your case and aggressively represent your interests both in and out of court. You can trust our skilled negotiates to seek out all available avenues of compensation to ensure your maximum recovery.

Start your road to recovery. Contact Powell, Jackman, Stevens & Ricciardi, P.A. at (239) 970-6844 to schedule a free consultation today.

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