In Florida, it is often possible to recover more compensation than your auto insurance policy limit following a car accident. The key to obtaining more than the limits of your own policy is to hold the at-fault party responsible for your accident injuries and damages.
Depending on the facts of your case, you may be eligible to pursue a payout by filing a third-party insurance claim or a personal injury lawsuit. A Florida car insurance claims lawyer from Chalik & Chalik can review your case for free and help you understand your eligibility.
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Understanding Your Florida Auto Insurance Policy Limits
Florida’s auto insurance system forces you to pursue a payout based on your own policy following an accident, no matter who caused the crash. Most licensed drivers in our state know to file a claim based on their personal injury protection coverage after an accident to receive compensation for their medical expenses and lost wages.
In general, though, this policy will only pay out between $2,500 and $10,000 per accident. This amount may cover a fractured arm or bumps and bruises, but it may not be enough for more serious injuries.
This is where things get complicated. Some accident victims may be able to pursue damages beyond their insurance limits by holding the at-fault driver liable. Our personal injury lawyers can review your case and let you know whether this is possible.
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(855) 529-0269Florida’s No-Fault System
Florida has a “no-fault” system for auto insurance, which means that after an accident, your insurance coverage, frequently referred to as “Personal Injury Protection” or “PIP,” is meant to cover the costs of any covered parties’ medical expenses and financial losses up to the policy’s predetermined policy limits.
However, it’s important to note that no-fault/PIP insurance claims have limitations, and they do not cover certain losses, such as pain and suffering and other non-monetary damages.
In order to seek compensation for non-economic losses and file a third-party claim against the at-fault driver, your injuries must meet the “serious injury” criteria outlined in Florida Statutes § 627.737.
Serious bodily injuries are defined as those resulting in:
- Significant or permanent loss of a vital bodily function
- Permanent disfigurement or scarring
- Permanent injuries
- Death
It’s worth noting that the no-fault system does not extend to property damage claims resulting from a car accident. In such cases, a liability claim may be filed against the at-fault driver, and there are no restrictions on this type of claim.
Pursuing Compensation Above and Beyond Your Auto Insurance Policy
If we discover you are eligible to pursue damages from the at-fault driver or another liable party following your car accident, there are two ways we can go after the payout you need to make you whole:
Filing a Third-Party Auto Insurance Claim
A third-party auto insurance claim is based on the at-fault driver’s liability insurance policy. This policy pays out to cover the expenses and losses suffered by victims in an accident the policyholder caused.
Suppose we can prove the other driver caused your accident. In that case, we can recover a payout that includes your remaining medical care and lost wages, pain and suffering, property damages, and other losses.
Negotiating a settlement agreement in this type of case is common. However, we will not agree to a settlement until it fairly reflects the damages you suffered as a result of the accident.
Filing a Personal Injury Lawsuit
A personal injury lawsuit is a type of civil suit that is rooted in negligence. If we can show that the other driver negligently caused your accident, you are eligible to take legal action against them, and we can file a personal injury lawsuit on your behalf.
If your case goes to trial, we will present our argument to the judge and jury. Then, we will ask the judge to issue a verdict in your favor and award you compensation based on the evidence we presented.
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Available Damages in a Florida Personal Injury Case
When pursuing a personal injury case in Florida, it’s crucial to be aware of the potential compensation you can seek. These damages aim to reimburse you for the losses and harm you’ve experienced due to another party’s negligence or wrongful actions.
While every case is unique, you may be able to recover the following damages:
- Medical costs: This covers the costs associated with your medical treatment, including hospital stays, surgeries, doctor’s visits, medications, and other necessary medical care.
- Lost wages: If your injury has resulted in missed workdays or reduced earning capacity, you can seek compensation for the income you would have earned.
- Property damage: If your personal property, such as your vehicle, was damaged in the incident, you can seek reimbursement for the costs of repairs or replacement.
- Out-of-pocket expenses: This category includes any additional costs directly resulting from your injury, such as transportation to medical appointments or modifications to your home to accommodate a handicap.
- Pain and suffering: This category refers to the physical and emotional suffering you have experienced as a result of your injury, including chronic pain and mental anguish.
- Loss of consortium: Spouses or family members may seek compensation for the loss of companionship, support, and services resulting from your condition.
- Loss of enjoyment of life: If your injury has significantly limited your ability to enjoy life as you did before, you may be eligible for compensation.
Understanding the damages available to you is essential in building a strong personal injury case, as it ensures that you seek appropriate compensation for all you’ve endured.
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(855) 529-0269Proving Negligence and Liability in a Florida Car Accident Case
Before we can negotiate an insurance settlement or file a personal injury lawsuit, we need to build a case to present to the court or the insurance company. This requires us to investigate the cause of your accident and collect evidence to prove the driver acted negligently.
We can do this by showing:
- The driver had a duty to drive in a responsible, reasonable way. This responsibility includes following all traffic laws.
- The driver failed to uphold this responsibility, breaking a traffic law or otherwise acting carelessly.
- Their actions caused your accident, and you suffered injuries as a result.
Gathering Evidence
As a part of our comprehensive investigation, we will collect a range of evidence to support your car accident claim.
This may include:
- The police report
- Your statements about the accident
- Statements from other witnesses
- Your relevant medical records
- Surveillance or dashcam footage of the accident
- Testimony from accident reconstruction specialists and other experts
By proving negligence, we can establish liability in your case. Liability means the at-fault driver is responsible for the injuries you suffered, and their insurance company should pay out to cover your damages.
Florida Time Limit for Filing a Personal Injury Claim
Florida’s statute of limitations allows most accident victims a window of two years to initiate a personal injury lawsuit following an incident.
The clock starts ticking on the accident date, and after two years have elapsed, you may lose your legal right to seek compensation for your injuries and related losses.
Barring unique circumstances, failing to file your lawsuit within two years could result in losing your right to seek compensation for your injuries.
Talk to a Florida Personal Injury Lawyer About Your Case
If you suffered injuries in a Florida car accident, you could recover more than your insurance policy limits. However, this depends heavily on the facts of your case. Let Chalik & Chalik Injury Lawyers review your car accident case for free today. When you enlist the help of our team, you work with the partners directly.
As your personal injury law firm, we will fight for the maximum compensation available in your case, whether through an insurance settlement or a court award. Contact us today for a free, no-obligation consultation.
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(855) 529-0269
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