Florida Personal Injury Protection Lawyer
A Florida personal injury protection lawyer can help you weave through the insurance coverage that is supposed to pay 80% of your medical bills for medical services rendered as the direct result of an accident involving a motor vehicle.
Florida law mandates this type of insurance. You will be responsible to pay the remaining 20% unless you have additional coverage that will pay the 20%. In addition, your PIP coverage will pay you 60% of your lost wages, mileage/drugs reimbursement.
After paying a high premium for your insurance you expect your insurance company to honor its contract and to pay in accordance to the terms of your coverage; however, that does not always happen.
At times your insurance company avoids paying by doing the following:
1. Decides not to pay, leaving you holding the bag.
2. Hires a doctor to examine you, who will inform your insurance company that you are no longer in need of any further medical treatment; consequently, your insurance company stops paying your benefits.
Under these circumstances you cannot simply file a lawsuit against your insurance company; instead, you need to have a law firm submit a demand letter with specific information required by statute. Otherwise, the courts will most likely dismiss your lawsuit. Within 30 days after receiving the demand letter, the insurance company must reinstate your PIP benefits and continue paying your medical bills. If the insurance company elects not to reinstate your PIP benefits, then, upon the expiration of 30 days, you have the legal rights to file a lawsuit against your insurance company.
What happens when a person, who does not have bodily injury insurance, injures you? Who is to pay for your injuries? How about in cases when your medical bills, and/or injuries excess the amount of the bodily coverage of the at-fault driver? Who is to pay?
Under these circumstances the uninsured/underinsured insurance coverage will kick in; however, it is not automatic. Notwithstanding the fact that you are paying for the coverage, your insurance company takes on the shoes of the at-fault driver and becomes adversarial to you. Consequently, you must provide prove similar to the bodily injury case. That is to say, you must provide proof of the following:
1. Permanent impairment
2. Loss of important bodily function
3. Death
4. Significant scarring
If you are unable to provide proof then you are not entitled to receive any monetary compensation. Again, under this circumstance, you need to be represented by competent doctors and lawyers who will work together for your best interest; otherwise, your best interest may not be protected.
- Immediately call the police, file and obtain a copy of the police report
- If needed, get medical attention
- If able, obtain the information of the other driver
- Do not speak to your insurance company; immediately obtain the service of an attorney and have your attorney speak directly to your insurance company
If you have any questions for Florida Personal Injury Protection Lawyer, Edward Rosado, contact him today.
