Even The Insured May Need To File A Personal Injury Lawsuit
Brian O Sutter
Personal Injury
When you're injured in an accident in Florida, it can have long-term, far-reaching consequences on your life. Making a full recovery isn't easy, and it's often something that comes with a financial struggle as well as a physical one. For most who are hurt, a financial recovery is only really possible with help from an insurance settlement or something similar. But far too often, people assume that their insurance policy will handle their needs.After all, Florida still has PIP coverage requirements. These insurance policies mean that no matter who is to blame for an accident, your own insurance should cover the costs and pay for the financial burdens you're dealing with. But that's not always the case.
There are two significant reasons that you might need to consider talking to a personal injury lawyer and getting help with your situation.
• For one, your insurance policy may not cover all of your expenses. Medical costs, lost wages from work, future medical bills, and more can all have an impact on your financial stability. If an insurance policy doesn't cover all of those factors, you could still be left struggling to make a full recovery.
• Your insurance company may also simply refuse payment at all. In these instances, you may be pushed around and told that you can't receive any compensation from your injuries. This can leave you in a seriously negative place.
You'll have two primary options for seeking compensation through a personal injury lawsuit. The first is to get legal help from an attorney and try to get compensation directly from your insurance company. It's possible that you're being wrongfully denied. Many insurance companies will do what they can to avoid payments, and as such your only option may be to get more direct with the help of a personal injury lawyer.
The other option will be to file a personal injury claim against the other party involved in an accident. Under Florida law, you can file a personal injury lawsuit if you can show that the other party acted in a manner that was reckless or negligent. In auto accidents, this can include things like drunk driving, speeding, or texting while driving. It's not always easy to prove, and your personal injury lawyer may have to use a variety of tools and resources to show that the other party was to blame including:
• Cell phone records
• Accident reports
• Security camera footage
• Witness statements
• And more
And if your accident wasn't auto-related but instead happened while at work or on the premises of someone else, the process of proving fault could be even more difficult and require additional expertise.
It's important to note that even if you have an insurance policy and even if that policy does offer some measure of restitution for your injuries, you can still file a lawsuit if your accident was caused by someone else's reckless or negligent actions. This is especially vital when you consider that many insurance policies don't provide enough money for all of the costs associated with an accident. Getting more direct help is often needed, otherwise you could struggle to make a full financial recovery - and as a result, may struggle to make a full physical recovery as well.
If you've been injured in an accident of any kind, you owe it to yourself to seek help from a competent personal injury lawyer. Doing so could be the only way that you are able to ensure that you get the kind of financial compensation you're owed and that you can move on after an accident. Our team has decades of experience and are here to help you. Contact us today to learn more about how we can help you get the restitution you're owed.