It is a common belief that in No-Fault insurance states like Florida that fault does not have to be established when an accident occurs. While this is true to a point, establishing fault is very necessary to determine who will be responsible for covering the medical costs and costs of repairs associated with the event.
In a No-Fault state, auto accidents are automatically covered by the insurance company of the driver. However, the accident is only covered up to the limits of the policy and most bills are only paid at 80 percent. This can leave a significant amount of bills remaining for the injury victim.
By establishing who was negligent and caused the accident, the injury victim has the right to seek damages against that person and their insurer for the entire cost of their medical care and physical and financial losses. This is not affected by any type of policy limit or type.
Quality Legal Representation
Medical bills associated with auto accidents can quickly escalate. A typical policy may only cover up to $25,000 in medical bills. For some accidents, this amount can be exceeded in the emergency room. This leaves no additional funds for future care or therapies or coverage for any serious medical procedures that may be necessary.
Seeking quality legal representation from a Jacksonville accident lawyer as soon as possible after the event can help protect your rights as a victim and ensure that you receive the medical care you need to make a recovery. Your lawyer will begin immediately to work on your behalf with the insurance company representing the at-fault driver to make sure that you receive the benefits you are entitled to under state law.
Additionally, your Jacksonville accident lawyer will also begin to calculate a number of losses you have incurred as a result of the accident. These losses include your lost wages and benefits, property losses, and any future medical care costs associated with the injuries you received. They will then seek compensation from that insurer to cover these losses on your behalf.