There’s no denying how dangerous driving can be. However, it’s a common part of daily life for most people. But a motor vehicle collision can lead to severe or life-threatening injuries. When that happens, you must take immediate action.
One of the first things you should do is contact Florida Law Advisers, P.A. We can protect your rights during the legal process and pursue the maximum compensation you deserve. Call or contact us online today for a free consultation with a car accident attorney in Tampa.
What Are the Damages I May Be Entitled To?
Florida’s no-fault law requires every Florida driver with a registered vehicle to carry personal injury protection (PIP) insurance with a minimum of $10,000 in coverage. PIP pays 60 percent of lost wages and 80 percent of medical expenses up to the policy limit. Coverage can also reimburse the injured party for replacement services such as laundry and childcare.
You can recover the entire $10,000 in compensation if your car accident injury is an emergency medical condition (EMC). That means you have a medical condition causing acute symptoms of significant severity that can include severe pain and, without immediate medical attention, could reasonably lead to:
- Serious impairment to bodily functions
- Serious dysfunction of a bodily part or organ
- Serious jeopardy to health
If your doctor determines your injury doesn’t qualify as an EMC, your PIP coverage is limited to $2,500.
You must file a PIP claim and exhaust the policy limits before stepping outside the no-fault system to seek compensation from the at-fault driver. Filing a third-party claim or lawsuit requires your injury to meet the definition of a serious injury. According to state law, a serious injury involves:
- Significant and permanent loss of a vital bodily function;
- Permanent and significant disfigurement or scarring;
- A permanent injury, except scarring or disfigurement within a reasonable degree of medical probability; or
If you’re eligible to file a third-party car accident claim or lawsuit, the compensation you receive might cover your:
- Pain and suffering
- Hospital visits, physical therapy, and other medical expenses
- Lost income
- Lost future earnings
- Out-of-pocket expenses
- Emotional distress
- Loss of enjoyment of life
- Vehicle repair/replacement costs