For drivers involved in a car wreck, it can be quite a scary and stressful experience. A car crash can result in significant injuries to you and other passengers that can require hospitalization, surgery, and even rehabilitation. A crash can also cause significant damage to your car, which could lead to it being totaled. In these types of situations, you need an experienced attorney who can represent your interests fairly.
At Morgan & Morgan, our have the experience needed to gather and present evidence that can help to support your claim. In addition, our lawyers regularly consult medical experts who can help support our findings, which may increase your chances of being able to successfully pursue a personal injury lawsuit against a negligent driver and recover compensation.
If you or a loved one were injured in a motor vehicle accident in West Palm Beach, you may be able to sue for compensation. To find out what our attorneys may be able to do for you, please fill out our free case evaluation form today.
How Can PIP Insurance Impact My Compensation?
According to Florida law, all drivers are required to have a minimum of $10,000 (PIP). PIP is a “no-fault” insurance policy that will provide you with compensation regardless of who is at fault. PIP usually covers up to 80 percent of an injured person’s medical bills after a wreck, and up to 60 percent of wages lost as a result of their injuries. However, PIP will not cover your medical bills unless you seek medical treatment within 14 days.
If the medical condition is not an “emergency medical condition,” PIP insurance generally will only pay a maximum of $2,500 in benefits. An emergency medical condition has to require immediate attention and could be expected to result in serious jeopardy to the patient’s life. If you seek compensation through a personal injury lawsuit, you must have sustained life-threatening injuries. If you have not suffered serious injuries, you are usually limited in receiving compensation through your PIP policy and may be barred from filing a personal injury lawsuit.
Dealing with Insurance Companies
It may be surprising, but if you are injured in a car wreck, even if the other driver was clearly at fault, you will probably have to fight to recover the compensation you deserve. The other driver’s insurance company may not place a fair value on your claim even with the facts at hand. In fact, many insurance companies will do everything they can to reduce your claim, including minimizing your injuries, alleging that your injuries were caused by something other than the crash, or even claiming that you exaggerated your symptoms. This is why it is important that you seek the assistance of an experienced auto accident lawyer, who will negotiate with the insurance company on your behalf to help acquire the compensation you deserve.
What Will Your Attorney Do for You?
Your lawyer will collect proof to bolster your claim through an initial investigation. They will perform tasks such as:
- Interviewing medical staff and witnesses of the automobile accident;
- Work alongside forensic experts to determine the cause of the crash;
- Collect video and photo footage, along with police reports of the crash;
- Consult with medical experts to completely determine the extent of your injuries; and
- Collect past information about both parties involved in the collision including, convictions, traffic violations, and DUIs.
Even though all of this information may not be required when filing a claim with your insurance company, it can be helpful if you want to pursue a lawsuit against the other driver’s insurance company. If the negotiations are unsuccessful, Morgan & Morgan can determine whether you may be able to collect compensation by filing a lawsuit against the insurance company and other parties involved in the crash.