In Florida, no-fault laws reduce the frequency of auto accident lawsuits by requiring additional insurance policies. The policies provide adequate coverage for all medical expenses and auto repair costs. However, certain injuries open the door to a legal claim. A local attorney helps victims file claims according to state personal injury laws.
Who Covers the Victim’s Expenses?
All drivers are required by law to purchase personal injury protection coverage. The victims must start by filing for assistance through their insurance policies. The insurance provides a predetermined amount of coverage. In-home health care, rehabilitative services, and all other medical costs associated with their accident injuries are covered by the policy.
What Restrictions Apply to Legal Claims?
The state prevents auto accident victims from filing a legal claim unless they sustain serious injuries. The injuries must be permanent or require an extended recovery time. The most common conditions identified under no-fault laws are disfigurements, loss of bodily function, loss of limb, or serious brain injuries. The victim must offer extensive medical records to support their claim.
How Does the Victim Know Who is At Fault?
The accident report is produced when the officers investigate what happened. The driver who caused the accident is identified in the report along with the exact circumstances of the accident. If a legal claim is filed, the accident report identifies what driver is at-fault and liable for the victim’s injuries and financial losses. The lawsuit is filed against the at-fault driver to collect compensation.
How are Legal Claims Filed?
The legal claim is filed after proof of a serious injury is provided. The at-fault driver has the option to file an insurance claim through their policy. However, if the policy doesn’t provide full coverage for the victim’s losses, the at-fault driver must provide additional funds out of their own pocket. The award would also have to include any ongoing expenses for medical treatment.
In Florida, no-fault laws impose some limitations on auto accident victims. Under the laws, victims have the right to file a legal claim against the at-fault driver if they sustain serious injuries only. The injuries must exceed the value of the victim’s personal injury protection policy. Victims who need assistance after a Florida Car Accident contact an attorney now.