How Can COVID-19 Affect My Florida Car Accident Claim?
We are currently in a pandemic as the coronavirus makes its rounds all over the world. The virus has changed our ways of living and has forced us to reconsider how we used to do things.
In addition to opening our eyes to better hygiene practices and social distancing, the coronavirus has affected other aspects of our life. These include certain elements of Florida accident claims.
In this article, you will discover how the coronavirus can affect your Florida car accident claim and the steps you should still follow after the accident.
Seek Medical Treatment
If you were involved in an auto accident recently, you need to seek immediate medical treatment for any injuries you have sustained. It is also important that you maintain and follow all doctor-recommended treatments and advice following the accident.
Seeking medical treatment for your injuries is necessary to obtain the maximum value of $10,000 in personal injury protection (PIP) coverage from the insurance company. That is how you can step outside of the no-fault system that Florida has in place when collecting damages from no-fault drivers.
However, since doctors and hospitals are overwhelmed due to the virus, it is increasingly difficult for some to get the proper medical attention they need. The pandemic can cause delays in completing treatment. All of this can result in cases being left unresolved.
Missed Car Insurance Premiums
The pandemic has also resulted in people missing their car insurance payments. As of March 2020, more than 10 million people have applied for unemployment in hopes of receiving some federal economic relief. Florida already has the highest uninsured driver rate in the country as it is.
Now is a good time to review your current coverage, including your uninsured or underinsured motorist coverage. This coverage is available on most insurance plans and covers you in the event of an accident with an uninsured driver.
Court Schedules Are Delayed
We see more delays in court schedules nowadays as many courthouses remain closed. However, some cases may be conducted electronically, such as over the phone or through a video conference. Most auto insurance claims are settled out of court anyway, which is good news for many.
Battling Insurance Companies
Since the insurance industry has seen a loss of profit like businesses in other industries, you may find them fighting harder when it comes to your claim. They want to do everything they can to reach a reduced settlement.
To avoid losing the battle against an insurance company, you should have your own personal injury attorney who can help you navigate the process and be the middleman. They can advocate for you and help you reach a fair settlement.
Don't settle on the initial offer you receive from the insurance company. Instead, consult an experienced personal injury attorney who has your best interests at heart and can help settle the case properly.
As you can see, the pandemic has altered many of our routines, but accidents continue to happen. So despite the delays and new obstacles, you must continue to follow the proper steps after an accident to help secure fair compensation for your injuries.