This is one of the most common questions I get presented with. It’s a question, the next time you go and get your auto insurance, that you should ask your insurance agent. This type of coverage is not automatic, and is not mandatory. Unless you obtain this type of coverage, you will not get rental car reimbursement when your car is being repaired.
No. In my experience, most attorneys including myself try to negotiate prior to going to court. We only go to court as a last resort if the other side is either insistent that they were not at fault or does not believe that your monetary claim is adequate and thinks that you should not get as much as you think you should get.
This will depend on whether you actually have coverage for this type of insurance. It is not required under Florida law, however, most insurance company’s policies do cover this type of insurance. Any time you get automobile insurance or any other insurance you should speak with your agent and go over every single type of coverage that’s available and every single type of coverage that you think you need.
I strongly believe the best thing to do is for you to find a competent attorney and call them up immediately and ask them what you should do. Normally, at the scene of an accident, people have cell phones and they can document the cars, the damage to the cars, both of the vehicles. If you have any blood or if there is any other visible signs that you think support or defend your position, I would take photographs of those because once you leave the scene, it’s hard to go back and recreate what actually happened at the scene. However, if the accident is very, very serious, I would not hesitate to call an attorney from the scene, as most competent attorneys will acknowledge and recognize the severity of the accident and might actually go over to the accident scene themselves and do what’s necessary.
Liability insurance is a type of insurance that will cover you for any damages that you cause. Those damages might be injuries, medical bills, lost wages, or things of such nature. This is not a required insurance coverage in the state of Florida, however, I recommend that people obtain a certain amount of liability coverage so that, in the event that you cause an accident, you will not have to be responsible for paying out the damages.
A permanent injury is an injury that’s going to last your entire life. However, in law when we talk about a permanent injury, typically what we’re talking about is whether we believe more likely than not the injury that you have will be a permanent injury and whether we can prove that to a jury. If we do not believe that you have a permanent injury, then you might not be able to file a lawsuit for injury damages.
Technically speaking you are responsible for any damages over the limits of your policy. However, many insurance companies, especially good insurance companies will basically take care of those damages as well. I would not rely on that, however, during the case oftentimes your insurance company might not want to settle within the policy limits. In that case, oftentimes they will tell you whether they will cover you for any excessive damages, those will be money that’s over and above what your policy limits are. However, you really need to pay attention to what is going on in the case and if you feel like your insurance company is not representing your best interest you might want to hire your own attorney to try to obtain the best result for you, in addition to the attorney that the insurance company has provided for you.
If you have any injuries or you feel like you will develop any injuries, you should definitely go see a doctor and a qualified physician as soon as you possibly can. Under your Florida insurance law you might not be able recover certain benefits if you wait more than fourteen days after the accident before you finally either go to the hospital or see a doctor. I would definitely contact an attorney if you feel like you’re injured so that you make sure you go to the correct type of doctor. Otherwise that might impact whatever benefits you might be able to receive.
Yes, you should be very concerned about such a scenario. If you are suffering that much of an injury, you should definitely see an attorney who can help you evaluate how to handle this type of scenario. If you are at fault and you’re running up a lot of bills, then you need to pay particular attention to what is going on, whether the treatment is excessive or not, and whether, in fact, the bills are higher than what they should be. My primary issue would be how much are you getting charged? Have you agreed to those charges? Things of such nature. If you’re on medicare or medicaid, then obviously the charges are going to be set and that’s not going to be something that you’re going to be able to deal with that much.