If you are involved in an accident you need to call us as soon as possible. There are strict time limits that apply to seeing a doctor and filing a lawsuit if you are injured in an accident.
All automobile accidents are different. If you are involved in an automobile accident the most important thing to do as soon as possible is to document the accident with police or proper authorities. If you have suffered any injury in the accident, it would be a good idea to alert the investigating police officer and advise him of your injury.
If the paramedics are called to the scene, then make a proper report to them and the ambulance service. If necessary, the medical personnel will take you to the emergency room where you will be treated and released or placed in the hospital for continued care. If you do not go to the emergency room, follow up care with your family doctor or chiropractor will document your injury and start your medical treatment.
In the State of Florida, it is required by law that every motor vehicle insurance policy include what is commonly referred to as PIP coverage. PIP stands for Personal Injury Protection and it is insurance that covers you, your passengers, and your household members in the event you are involved in a motor vehicle accident, regardless of fault. It will also provide coverage for an individual you may injure while operating your motor vehicle who is not in a motor vehicle of their own, such as a pedestrian or bicyclist. Florida Statute 627.736 requires that your insurance company provide a minimum of $10,000.00 in PIP coverage for medical and disability benefits and $5,000.00 for death benefits. However, in order to be eligible to receive PIP coverage, you must seek medical attention within the first fourteen (14) days of the accident. The initial medical care you seek must be from a physician, dentist, chiropractic physician, or hospital facility. A physical therapist, massage therapist, or acupuncturist, among others, does not qualify. If you seek medical attention within that time from an authorized provider, your PIP coverage will pay for or reimburse you for “eighty percent of all reasonable expenses for medically necessary medical, surgical, X-Ray, dental, and rehabilitative services, including prosthetic devices and medically necessary ambulance, hospital, and nursing services if the individual receives initial services and care” up to $10,000.00. Florida Statute 627.736(1)(a).
There are however some exclusions to this coverage. PIP will not be eligible to a person who does not seek coverage within the first fourteen (14) days after accident, a person who intentionally harms him or herself, a person injured while committing a felony, or if the person injured was in a vehicle owned by the insured that was not insured under the policy and was driven by another party without the consent of the insured. It is very important that you seek medical attention immediately after an accident, even if you do not immediately feel any pain. Some injuries do not show symptoms right away, and if you delay seeking treatment you could be barred from receiving PIP coverage.
There are strict deadlines you must adhere to when pursuing a personal injury claim. If you have been involved in a motor vehicle accident and have questions, give me a call and I will be happy to give you a free consultation.
Follow all directions given to you by the doctor including taking medications as advised, keeping a log for each day that spells out how you felt, what medications you took and what you did that day. See any specialist or medical service providers your doctor recommends.
Contact an attorney as soon as possible, you do not want to make decisions or speak to any insurance company representatives without knowing your full rights. Call us today for a same day appointment. Attorneys are available to speak to you 24/7.
Compensation for injuries is not limited to automobile accidents alone. Many other types of personal injuries occur involving motorcycles, defective products, slip and fall injuries, as well as injuries and wrongful death from defective products. Each case must be evaluated individually and the two main issues are “liability’, meaning determining who is at fault and to what extent, as well as the amount of damages (dollar value) for the injuries received by the plaintiff.
Do not delay contacting a skilled attorney. Our firm attorneys have over 100 years combined experience – call us today to schedule your free initial consultation (321) 631-0506.