In order to determine whether you have a legitimate case, car accident attorneys generally want to know three things.
First, who was at fault for causing the cash? Car accidents can happen in an innumerable amount of ways. In order to have a successful personal injury case, there must be another person or entity responsible for causing the crash. Sometimes, it is easy to prove who was negligent in causing the crash, other times it is not. We contact witnesses, obtain video footage from traffic cameras, and document the condition of the scene of the crash to help prove your case in court.
Second, what are your injuries or damages? The potential settlement amount of your case is determined by evaluating, in part, how badly you are injured or damaged as a result of the crash. However, many times injuries that are not as obvious as broken bones can take days or weeks to surface. It is important to continually evaluate yourself after a crash to make sure that you obtain the medical care you need without delay.
Third, is there insurance to cover the accident and is the at-fault driver or company collectible? Recent statistics show that in Miami-Dade County, one out of every four drivers has no liability insurance to cover injuries caused in a car accident. This point merits a detailed discussion.
Currently, in the State of Florida, drivers are required to have property damage insurance and personal injury protection coverage. Property damage is a liability insurance. If you were negligent in causing a car accident, your property damage insurance policy would pay to fix the damage that you caused to another person’s car. Under those same facts, if you were injured in an accident that you caused and you needed to see a medical doctor for diagnosis and treatment of your injuries, your personal injury protection insurance pays for your medical bills, up to a stated limit.
Florida is one of only two states wherein drivers are not required to carry bodily injury insurance. Bodily injury insurance is a liability insurance. In the event that you cause a crash and hurt someone, your bodily injury insurance compensates that injured person for things such as medical expenses, lost time from work, and pain and suffering. One out of every four drivers in Miami-Dade County does not have this kind of insurance. So, if they happen to hit you and injure you, you will have to try to make your claim directly against the driver — there will be no insurance to pay for the harm that driver caused you.
Uninsured and underinsured motorist (UM/UIM) coverage protects you in the event that you are hit by someone without bodily injury insurance, someone without enough bodily injury insurance, or if you were involved in a hit-and-run accident. We strongly recommend that you review your insurance policy to determine whether you carry UM/UIM coverage. Our streets can be dangerous; don’t rely on other drivers to carry more insurance than is required by law. Make sure that you have UM/UIM coverage to protect you and your family.
We have obtained millions of dollars for car accident victims. Contact us at (888) 216-8699 for a free consultation to discuss the merits of your injury case.