Month: May 2022

Witnesses can be essential to a car accident claim. Neutral third parties who have no stake in your case and back up your version of what occurred can be very persuasive in convincing an insurance company or jury of what happened. Insurance adjusters will often decide which version of the event is more accurate based on which version is supported by the testimony of any third party witnesses. At the scene if you speak to any third party it is important to collect the information: name, phone number and address. If you’ve been injured in an accident, contact an experienced personal injury lawyer immediately. For a free case evaluation, call the Miami Legal Firm at 305-265-2265

Pedestrians and bicyclists are entitled to PIP coverage. To be entitled to PIP benefits, you must receive initial services and care within 14 days after the motor vehicle accident. PIP pays: 80 percent of reasonable medical expenses related to the accident, up to $10,000 in benefits. If you or a household relative member have PIP insurance, you will be covered under that policy. If you do not own a vehicle nor live with a relative that owns a vehicle, you will be covered by the PIP insurance of the at-fault driver who hit you. If you’ve been injured in an accident, contact an experienced personal injury lawyer immediately. For a free case evaluation, call the Miami Legal Firm at 305-265-2265

In Florida a police report is not required to file an insurance claim and may not be mandatory at times to file one, however, it is highly recommended and beneficial. A police report may be required if a car involved in the crash was so damaged it had to be towed from the scene. Having a police report may also serve as evidence to help prove your case. The police report provides documentation that your accident happened and it can also help establish that the other driver was a fault. If you’ve been injured in an accident, contact an experienced personal injury lawyer immediately. For a free case evaluation, call the Miami Legal Firm at 305-265-2265

What if I get hit by a ride share vehicle? Period 0: When the driver is not logged into the Uber/Lyft app, Uber/Lyft provides no coverage Period 1: When the driver is logged into the app but has not yet accepted a ride request, Uber/Lyft provide liability coverage for any accident that is the fault of the driver, up to $50,000 per person injured in an accident, and $100,000 total injury liability per accident, and $25,000 property damage liability. Period 2: When the driver has accepted a trip and is on the way to pick-up, liability coverage increases to $1 million. Period 3: When the rider is in the car, ending at drop-off. Liability coverage of up to $1 million, plus limited coverage for damage to the driver's car, and uninsured motorists' coverage. If you’ve been injured in an accident, contact an experienced personal injury lawyer immediately. For a free case evaluation, call the Miami Legal Firm at 305-265-2265

What is covered if vehicle is innocent? You may bring a claim against the at fault driver of the other vehicle for bodily injury. You may also recover against the rideshare company’s insurance under the ride sharing company's uninsured/underinsured (UM/UIM) insurance coverage. You may obtain compensation for: Past and future physical pain and suffering, mental anguish and physical impairment;Past and future medical, hospital, rehabilitation, disability and other health care related expenses; Past economic losses including lost wages, salary or income and property damage; Loss of future income due to any long-term disability and permanent diminished earnings capacity; Punitive damages (for outrageous wrongful conduct); and Wrongful death when the lawsuit is brought by the family of the loved one who died. If you’ve been injured in an accident, contact an experienced personal injury lawyer immediately. For a free case evaluation, call the Miami Legal Firm at 305-265-2265

What is covered if the vehicle is at fault? A passenger injured in a rideshare car accident can recover against the rideshare company’s insurance as the company is required to carry third party liability coverage which may pay up to $1 million in coverage. You can bring a lawsuit against the rideshare company’s insurance to receive compensation for your pain and suffering, past and future medical care, and other damages you suffered. Damages might include: Medical bills, Lost wages and work benefits, Pain and suffering and Wrongful death. If you’ve been injured in an accident, contact an experienced personal injury lawyer immediately. For a free case evaluation, call the Miami Legal Firm at 305-265-2265

Florida law requires that auto insurance policies include Uninsured Motorist Coverage (UM) at limits equal to the Bodily Injury Liability Limits or Combined Single Limit for Liability in your policy unless you select a lower limit offered by the Company, or reject Uninsured Motorist Coverage entirely. This rejection must be made in writing in order to be valid. If you have questions about whether you have UM coverage on your policy that applies to your car accident case, you should contact an attorney. If you’ve been injured in an accident, contact an experienced personal injury lawyer immediately. For a free case evaluation, call the Miami Legal Firm at 305-265-2265

It is not required in Florida, Uninsured motorist (UM) insurance pays if you, your passengers or family members are hit by someone who is “at fault” and does not have insurance, or has insufficient liability insurance to cover the total damages sustained by you. This applies whether you are riding in your car, riding in someone else’s car or are struck by a car as a pedestrian. UM insurance also applies in a hit-and-run situation, or in a “phantom” vehicle accident. UM insurance pays for medical expenses, lost wages (beyond your PIP coverage), bodily injury, sickness, disease or death resulting from a motor vehicle accident that you and your passengers suffer. If you’ve been injured in an accident, contact an experienced personal injury lawyer immediately. For a free case evaluation, call the Miami Legal Firm at 305-265-2265

The other driver's insurance company will cover through property damage liability the cost of repairs or value of your car if it is declared a total loss up to the coverage limit. Florida requires a minimum of $10,000.00 for property damage liability. Your insurance company may also cover your property damage excluding your deductible if you carry collision coverage. Your deductible can range from $0.00 to $1,000.00. If you’ve been injured in an accident, contact an experienced personal injury lawyer immediately. For a free case evaluation, call the Miami Legal Firm at 305-265-2265