Legal Blog

Important Steps to Get Your Car Fixed After an Accident That Wasn’t Your Fault

Attorney David I. Fuchs

Author

Attorney David I. Fuchs

Date

Mar. 2, 2018

Category

News

If you’ve recently been involved in a car accident and it wasn’t your fault, you likely have a lot of questions. Who will pay for your medical bills? When can you go back to work? And when can you fix your car and get back on the road?

Attorney David Fuchs addresses these questions in this blog. However, if you were injured in an accident and are in need of legal assistance, call David I. Fuchs, Injury & Accident Lawyer, P.A. at (954) 568-3636 as soon as possible to schedule a free initial consultation. Our auto accident attorneys will walk you through your legal options and discuss whether or not you may be able to recover compensation and damages following your accident.

Property Damage and No-Fault Insurance Law

Florida is one of a handful of states that has no-fault insurance. This means you have a couple of different kinds of coverage options, including:

  • Personal injury protection (PIP). Personal injury protection covers your own injuries in the event of an accident, regardless of who is at fault.
  • Property damage liability (PDL). This covers any damage you might do to other people’s property and cars.

In the event of an accident that is not your fault, you’ll seek property damages from the at-fault driver’s insurance company. Keep in mind, however, that this payment will only kick in when the at-fault driver’s insurance company accepts liability for the accident. The process of investigating an accident and determining fault can take time, so ask your insurance company if they can pay for repairs and obtain reimbursement from the other insurance company. Otherwise, you could be waiting weeks for your car.

On the other hand, it’s possible that your vehicle might be considered a “total loss.” This occurs when the cost of repairs exceeds 75% of its fair market value. In this case, you’ll receive the fair market value of your vehicle.

Handling Calls from Insurance Adjusters

Throughout the course of the investigation, you may receive calls from an insurance claims adjuster. How to proceed with these calls depends largely on who is asking. If the request comes from your insurance company, you may be required speak with the adjuster under the terms of your contract. On the other hand, if the request is coming from the other insurance company, you’re not required to do so – and probably shouldn’t.

Either way, we recommend hiring a car accident attorney to represent you. They can provide valuable guidance relating to insurance companies and how to answer questions.

What About My Medical Bills?

Under Florida’s no-fault insurance law, you’ll turn to your own personal injury protection (PIP) policy to pay for your medical bills and associated expenses. In some cases, however, you may be able to obtain additional compensation from the at-fault driver. We strongly recommend hiring a car accident attorney to see if this applies in your case.

Car accidents can be stressful, but waiting around for payment, whether it’s for a car or medical bills, can add stress to the experience. As soon as you’re able, contact a car accident attorney and ask for a free initial consultation. In this meeting, a personal injury attorney will review the specifics of your case and provide valuable advice about your next steps. Hiring an attorney from the beginning can save you time in negotiations and money on your medical expenses. Don’t settle for less than what you deserve – get in touch with a Florida car accident attorney.