When Should You Talk To A Car Accident Attorney In Florida?

In Florida, a law was passed by the government 50 years ago in an attempt to reduce the number of potential personal injury lawsuits that might flood—and thus bog down—the courts of the state. That law turned Florida into a “no-fault” state and required that every driver get a special form of insurance called Personal Injury Protection coverage.

More commonly known, PIP is a mandatory form of insurance coverage for injuries that is fixed at $10000. Because Florida is a “no-fault” state, this means that every driver must have PIP because it is their own PIP coverage, not that of the other driver, that pays out in the event costs for medical coverage are required. In other words, unlike other states, where the parties at fault have their insurance companies pay for damage or injury, Florida has drivers use their PIP to pay for their treatment.

The Problems


While the PIP and “no-fault” concepts can cover a wide variety of car accident injuries without needing to resort to legal action, there are a few instances where the coverage is insufficient. There are three major instances where PIP won’t provide what an accident victim needs.

Severe Injury


PIP only covers 80% of medical costs up to $10000. An additional policy such as MedPay or another insurance policy is required for full coverage. However, for very serious injuries, the cost of surgery, rehabilitation, and medical treatment can easily exceed $10000.

In these instances, if an accident victim only has PIP, that means the rest of the cost, even if they are not at fault, comes from their own pocket or another source.

Permanent Disability


It’s one thing if an injury takes a victim away from work for a while and then requires some treatment and rehabilitation to resume life as it was before. It’s another matter entirely when an injury results in a permanent disability, such as being paraplegic and now requiring the use of a wheelchair or losing sight and being blind.

In many cases, disability may make it impossible for an accident victim to return to their previous occupation. This requires much more than $10000 to offset temporarily lost wages since a career all of its associated income has now come to an end.

Legal Help


Talking to an attorney is never legally required in the aftermath of a car accident. However, the decision to consult an attorney means not making mistakes that can affect a favorable outcome. If the costs for medical treatment or a disability are insufficient with PIP, this is where lawyers can help.

If you were injured in a car accident that was the fault of the other driver, the option exists to move beyond PIP. a personal injury lawsuit goes directly to the party responsible for actually causing the injury. If the case is won, then their insurance company will cover any additional medical coverage, disability, or even pain and suffering costs associated with the accident.

Talk to an experienced auto accident attorney in Florida to find out how to recover the costs you are entitled to as an accident victim.

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Sarasota Office

Sarasota

941-954-1234

2822 University Parkway Sarasota Florida 34243

Bradenton Office

Bradenton

941-752-7000

5291 Office Park Blvd. Bradenton Florida 34203

St. Petersburg Office

St. Petersburg

727-381-9200

6446 Central Avenue St. Petersburg Florida 33707

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Sarasota

941-330-0088

9040 Town Center Pkwy, Lakewood Ranch Florida 34202

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Venice

941-496-9555

3986 S. Tamiami Trail Venice Florida 34293

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Englewood

941-474-4800

2960 S. McCall Rd Englewood Florida 34224

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Punta Gorda

941-613-1141

122 Nesbit St, Suite 113, Punta Gorda Florida 33950

Port Charlotte Office

Port Charlotte

941-613-1141

3986 Tamiami Trail Port Charlotte Florida 33952

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Arcadia

863-494-0122

10 South DeSoto Avenue Arcadia Florida 34266

Fort Myers Office

Fort Myers

239-332-0770

8359 Beacon Blvd Fort Myers Florida 33907

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Lakeland

863-683-5600

5137 S. Lakeland Dr. Lakeland Florida 33813
 

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