Florida’s No-Fault Insurance System

Florida’s no-fault (PIP) insurance system can understandably make personal injury claims confusing for people who have been hurt in a motor vehicle accident. Under this law, every driver is required to carry Personal Injury Protection (PIP) coverage, which pays for their own medical bills and lost wages after a crash, regardless of who caused it. However, PIP coverage is limited, and it often pays only a portion of medical expenses and lost wages. Some PIP policies are even limited to just $10,000 in total payouts.

Once your expenses exceed the PIP policy limit or your injuries meet Florida’s “serious injury threshold,” you may be able to step outside the no-fault system and start a personal injury claim directly against the at-fault driver and their insurance provider, as you can in most other states.

Serious injuries that may allow you to file an injury claim after an auto accident include:

• Fractures or broken bones
• Significant scarring or disfigurement
• Permanent loss of a bodily function
• Traumatic brain injuries or spinal cord damage

Not sure if you can take legal action after a crash? Find out the simple way by calling (833) 260-0943 and speaking with a personal injury attorney from The Florida Law Group.

Proving Liability After an Accident

Establishing who is legally responsible for your injuries is an important part of any personal injury claim. To do this, we’ll want to prove that the at-fault party acted negligently and caused your injuries as a result.

At The Florida Law Group, we know how to gather evidence to prove liability, such as:

• Accident reports and police investigations
• Witness statements and surveillance footage
• Expert reconstruction analysis
• Employment, maintenance, or safety records
• Medical documentation connecting your injuries to the accident

Florida follows a modified comparative negligence rule, which means you can still recover damages if you were partially at fault, as long as your share of fault is less than 51%. However, your total recovery will be reduced by your percentage of fault.

How We Help You Pursue Compensation

When you’re injured, dealing with insurance companies can be stressful and confusing. Adjusters may contact you early, hoping you’ll accept a quick, low settlement. Our attorneys know these tactics well, and we stand ready to handle every step of your case so you don’t have to.

Our Riverview personal injury attorneys can help your claim by:

• Investigating your accident to find and use evidence.
• Working with third-party experts in medicine, economics, and accident reconstruction to calculate damages.
• Attempting to negotiate a fair settlement with insurers.
• Litigating in court if the insurance company refuses to offer a fair settlement.

From start to finish, we do what we can to make the process as smooth and stress-free as possible while keeping you fully informed about your rights and options.

Types of Compensation Through a Claim

A successful personal injury claim can help cover both economic and non-economic damages resulting from your accident, including:

• Emotional trauma
• Future medical care or long-term treatment
• Loss of enjoyment of life
• Lost income and reduced earning capacity
• Medical expenses and rehabilitation costs
• Pain and suffering
• Property damage
• Wrongful death-related losses (for surviving family members)

Contact The Florida Law Group for Legal Help in Riverview

If you’ve been injured in Riverview due to someone else’s mistakes, don’t wait to get the legal help you need. The Florida Law Group has decades of experience handling complex personal injury and motor vehicle accident claims throughout Florida. Let us put our experience, insight, and resources to good use for you, just as we have for so many others. We are available by appointment or virtual consultation at this location and throughout Florida.

Call us at (833) 260-0943 today or contact us online to schedule your free consultation with our Riverview personal injury attorneys.