Car Accident Lawyer in Hialeah, FL
Hialeah is one of the most populous cities in the Miami metropolitan area. While there are many reasons why people are drawn to living and working in Hialeah, a larger population often results in more congested roadways and an increased risk of becoming injured in a car accident. While most drivers and occupants who are injured in car accidents have a personal injury protection policy that they can use in order to obtain coverage of medical expenses and wage loss after an injury accident, these policies often have low policy limits that can leave many of the expenses and impacts the injured party incurs as a result of the accident uncompensated.
If you've been injured in an accident that was caused by someone else's negligence and you've reached the policy limits on your PIP coverage, an experienced Hialeah car accident lawyer can help you understand how to seek compensation by filing a claim against the at-fault party's liability insurance policy. They can also tell you about the services their legal team can provide to help you through the claims process.
The Limitations of Florida's PIP Requirements
When a driver registers their vehicle in Florida, they are required to obtain and maintain at least $10,000 of personal injury protection (PIP) coverage. This policy covers up to 80% of all necessary and reasonable medical expenses associated with treating the injury, regardless of who was at fault. It also covers up to 60% of the wage loss incurred by the claimant as a result of the injury, up to the limits of the policy. PIP coverage is extended to family members who live in the policyholder's household, and coverage is also available for injuries incurred by those covered in pedestrian or bicycle accidents.
While PIP coverage is required in order to reduce the number of car accident lawsuits filed in the state, the $10,000 policy limit of standard PIP coverage leaves many injured people with more expenses and impacts than can be compensated through their policy. When the expenses of an injury sustained in an accident caused by someone else's negligence exceed the limit of the injured party's PIP coverage, the claimant is permitted to file a personal injury claim against the at-fault driver's liability policy.
The Process of Filing a Claim Against Another Driver's Insurance Policy
When a personal injury claim is filed against someone else's auto liability policy, the insurer will assign a claims adjuster to evaluate the claim in order to determine if there is coverage available for the compensation being sought, if the insured was liable for the accident, and how much compensation (if any) is owed to the claimant due to the insured's liability.
The claims adjuster can pay the claim, deny the claim, or offer to settle the claim out-of-court for less than its established value. If the insurer fails to pay the claim outright or engage the claimant in a settlement agreement, a car accident lawsuit can be filed in civil court. The time limit for filing a Hialeah car accident lawsuit is usually two years from the date on which the accident occurred.
If you have experienced an injury due to another’s negligent actions, our car accident attorneys at Baker Legal Team can help you get the justice and compensation you deserve.
How a Lawyer Can Help You with Your Claim
An experienced Hialeah car accident lawyer has an important role in the personal injury claims process, as they have an understanding of the level of communication that is needed with the insurance company in order to produce a settlement agreement, as well as the formalities and expectations of the court.
A personal injury lawyer can help investigate the details of the accident and the insurance resources available to compensate the claim, establish the claim's value, negotiate with the insurer in order to garner the highest settlement offer possible, and even advocate for their client in court in order to convince a judge or jury of the claim's value.
Car accident lawyers have legal teams to assist them with gathering the documentation and evidence needed to show liability, as well as to show the necessity of the claim's value.
If You Were Injured in a Hialeah Car Accident, Contact the Baker Legal Team
For more than 30 years, Robert Baker and his legal team have been assisting those who have been injured in car accidents caused by the negligence of other motorists to obtain the compensation they need. In that time, the Baker Legal Team has recovered over $350 million for their clients and has obtained local and national recognition. We can help you get the justice you deserve following a car accident claim.
Let the board-certified Baker Legal Team attorneys help you understand your legal options after you have been injured in a Hialeah car accident caused by another driver's carelessness or recklessness. For a free case evaluation, contact us online or call us at (561) 320-0000.