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Getting What You Are Owed After An Accident

Accidents happen daily throughout the country and here in Florida, and when you’re involved in one it’s important that you take all of the steps needed to make a full recovery. However, while physical and mental recovery are always the primary focus, what about financial stability after an accident?

The heavy costs that can come from things like medical costs, lost wages due to missing time at work, and even future potential medical bills can all take a heavy toll on one’s finances as well as on their ability to make a full recovery. However, you don’t have to shoulder the financial burden alone – especially if the accident that occurred wasn’t your fault.

Getting financial compensation from an accident will primarily come in two ways – insurance and personal injury lawsuits.


Insurance is generally where most people expect their financial compensation to come from, especially when involved in a motor vehicle accident. Florida motorists are required to carry PIP insurance coverage – Personal Injury Protection. With this type of coverage, your own insurance policy will pay for medical expense and lost wages no matter who is to blame for the accident.

However, a few things are worth noting with PIP coverage:

  • It will only pay up to 80% of the total medical costs associated with the accident, leaving you to pay for the rest on your own.
  • Certain restrictions exist on the type of medical professionals you can visit if injured.
  • PIP won’t pay for the damages to a vehicle or your property, only your medical costs. As such, you can be left without a vehicle and unable to raise the money for another one unless additional coverage is held.

Making things even worse is that most insurance companies are hesitant to pay out even a dollar more than they have to. They may make the insured jump through hoops, wade mountains of red tape, and even offer them a cash settlement that is lower than they truly deserve. Because of this, speaking with an accident attorney following an accident of any kind is always a good idea.

Personal Injury Lawsuits

Lawsuits are sometimes viewed with a kind of stigma, but they shouldn’t be. A personal injury lawsuit is designed to help those who are injured in an accident that wasn’t their fault get the restitution that they really deserve.

In a personal injury lawsuit, it must be shown that the other party was negligent or reckless in their behavior and that those actions led to the accident. Negligence or recklessness could include:

  • Drunk driving
  • Speeding
  • Driving a vehicle that is unsafe or poorly maintained
  • Failure to maintain a safe working environment or public area
  • Knowledge of safety risks in a building but failing to correct them
  • And more

With personal injury lawsuits, an accident attorney will work to get the injured party the financial compensation that they deserve. This is based on a wide range of different factors, including things like:

  • Medical bills
  • Future potential medical costs
  • Lost wages from work
  • Potential future lost wages
  • Pain and suffering, or emotional distress reparations
  • Punitive damage

The final two factors on the list above are often awarded based on the discretion of a judge or jury, and can reach very high amounts. This is why those facing a personal injury case will often try to settle out of court, and why having a personal injury lawyer on your side is so important. They can help identify what a fair settlement is and ensure that you get what you’re owed – all the while making certain that the responsible party knows that you are represented by a professional.

Contact our team today to find out more about what your rights may be and get a free consultation.

During his time as a public attorney for the State of Florida, Bernard Walsh developed a passion for defending the legal rights of Florida's citizens. Having seen many people being taken advantage of after being injured and the financial harm that can cause for families he committed himself fully to helping injured clients get justice, by fighting to make greedy insurance companies pay what they owe.

Getting What You Are Owed After An Accident

Goldman Babboni Fernandez
Murphy & Walsh

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