Florida is a “no-fault” auto insurance state, which requires most car owners to carry a minimum of $10,000 in personal injury protection. If you are involved in an automobile accident, your insurance company is supposed to pay for 80% of your medical bills and 60% of lost wages up to $10,000.
While your insurance company is required to pay 80% of your medical bills and 60% of your lost wages, up to a total of $10,000, the other 20% and 40%, and anything over the $10,000, comes out of your pocket. To recover these additional losses, you can hire an attorney to fight the other party and their insurance company.
A personal injury lawyer may not be required if you have a minor accident and have no injuries. However, if you are injured, you could find that your insurance is not enough to make you whole.
It never hurts to contact a personal injury lawyer to discuss your case. An experienced and aggressive attorney will not let the insurance company take advantage of your limited knowledge of settlement negotiation. Insurance companies have a financial interest in settling for the lowest amount possible.
If you have to file a lawsuit against another party, you must be able to prove that the other party was negligent and was the cause of your injuries and losses. A person can be held responsible if they did something they should not have done, or, if they failed to act when they had a duty to do so.
An Orlando personal injury lawyer can help you recover the costs associated with your medical treatment and for lost wages while you recover. You may also receive compensation for future medical costs, a permanent disability, or any number of other costs that stem directly from your accident.