When a Claim Qualifies to Go Beyond Florida's No-Fault System
In Florida, most auto collisions are handled through the state’s no-fault system. When you are involved in a wreck, regardless of who caused the crash, you will file an insurance claim with your own insurer to recover the damages you’ve suffered.
No-fault personal injury protection (PIP) insurance covers financial losses like missed work wages, accident-related medical care, some household replacement services, and vehicle damage.
The no-fault system can work well if your crash is relatively minor. The benefits provided by your insurance coverage will usually cover minor losses, including a portion of your medical costs.
Sometimes, though, the damages you suffer in a car crash can be far greater than the limits set by your insurance policy. That’s usually when a claim qualifies to go beyond Florida’s no-fault system.
What to Do if You’re Seriously Injured in a Vehicle Crash in Florida
When you are seriously injured in a wreck, your financial losses could go through the roof. You could be missing out on work for weeks, months, and sometimes years; your medical expenses could go beyond what you can likely afford; and you could require expensive caregiving services, physical therapy, and mental health treatment.
That’s just the financial losses a serious injury could initiate in your life. What about the emotional and psychological ways this accident has impacted your life? You can actually be compensated for those damages, too, but not through the no-fault system.
The way to obtain full compensation for all of your losses is by leaving the no-fault claim system and filing a personal injury claim against whoever caused the crash.
How Does Filing a Personal Injury Claim for an Auto Wreck Work?
To file a personal injury claim for an auto wreck in Florida, your injuries must meet the legal definition of “serious.” That means you must have suffered more than a few bumps and bruises.
This definition is somewhat open to interpretation but might include broken bones, head injuries, spinal injuries, organ damage, amputations, permanent injuries, significant scarring, and the like.
Injuries that have seriously impacted your life and caused you to suffer significant damages will likely qualify you to leave the no-fault system and file an injury claim. An attorney can help you determine whether your injuries will qualify.
Need Legal Assistance from an Auto Accident Attorney?
A claim qualifies to go beyond Florida’s no-fault system when your auto injuries meet Florida’s definition of “serious” bodily injury. Your injuries have likely caused you to suffer financially, physically, and emotionally, and you deserve justice. A vehicle wreck attorney from our firm can help you recover full compensation.
The Law Offices of Casey D. Shomo has successfully handled serious car crash injury claims, and we can handle yours, too. You focus on your recovery, and we’ll work on getting you the best resolution possible for your claim. To schedule a free case review, fill out the contact form below or call 561-659-6366.