If you have been in a Florida car accident or pedestrian accident involving a truck, you likely will need to make a claim on your insurance policy. Most Florida truck accidents result in serious damage as well as costly medical expenses. For example, Florida spinal cord injuries, brain injuries, and other serious injuries are a common result of truck accidents. Once you have received basic medical attention, you will need to file a claim with your insurance provider at the earlier possible opportunity. You will also want to look at your insurance policy to understand what you are covered for. Your insurance policy may include coverage such as:
1) Liability coverage. In Florida, liability insurance is required to drive a car. This type of insurance covers the personal injury costs and property damage that occurs to others if you have been in a car accident. This insurance may also cover your legal costs. If your liability insurance does not cover the injuries and damages that others have sustained in a car accident, you may face legal action, especially if it can be proven that you are at fault.
2) Collision coverage. This insurance covers the damage which occurs to your vehicle in the event of an accident. This coverage will be paid out, regardless of who was at fault in the accident. If you have a deductible, you will need to pay that and the insurance provider will pay for the rest of the repair costs to your car. Many Florida trucking accidents, however, result in total destruction of a car. If your car is a complete loss, you will receive the cash value of the car.
3) Comprehensive coverage. This type of insurance usually covers damage which can occur due to vandalism, theft, weather, and fire. You will pay the deductible and the insurance company will pay the cash value of your car or the costs to repair your car. If you have been in a Florida truck accident, you will often not need to worry about comprehensive coverage.
4) Medical payments coverage. This coverage pays (regardless of fault) the medical bills of your passengers and yourself. If you receive payment from the other driver in the car, you will need to repay these benefits.
5) Personal injury protection (PIP) and No-Fault coverage. These optional and additional features of your insurance policy may cover additional medical costs as well as lost income and related expenses of your car accident.
6) Uninsured and underinsured driver coverage. This insurance protects you in the event that you are in an accident with a driver who does not have the legally required liability insurance or does not have enough insurance to cover your injuries. If you have this insurance coverage, your own insurance company will pay for your injuries and damages.
If you have been in a Florida truck accident and need a qualified Florida truck accident attorney in order to help you understand your insurance claim and to help you negotiate with your insurance provider, contact the Flaxman Law Group for a free consultation. Charles Flaxman of the Flaxman Law Group worked in the insurance industry before entering the legal profession. He has unique insight into insurance providers and policies and may be able to help you negotiate a better settlement offer. The Flaxman Law Group has offices conveniently located in Miami, Homestead, and Hollywood to serve the South Florida community.