Vehicle Accident Injury Attorneys in Miami, FL
Getting into a car or truck accident in Miami can be an incredibly traumatic experience. Trying to handle the details of repairing your car or vehicle and dealing with insurance companies can be equally overwhelming. Below are some things you should know after an accident, along with basic information on the insurance coverages that may apply.
What to Do If You Are in a Miami Car Accident
- Be Safe: Do not get out of your car in an active traffic situation. It is best not to move your car so that you can properly document where the accident took place, but do so if traffic conditions require it.
- Call the Police: If you are involved in an accident involving car damage or injuries, you have an obligation to call the police. Stay in your car until they arrive and follow their instructions.
- Document the Scene: Take pictures. There is no better evidence at trial than photos from the scene. Photograph both vehicles, street signs, and the surrounding area.
- Seek Immediate Medical Attention: If you are injured or feeling pain, do not delay treatment. Go to a hospital or urgent care center right away. If you do not seek treatment within 14 days of the accident, you will forfeit your right to receive Personal Injury Protection (PIP) benefits.
- Call an Attorney: From the moment your claim begins, insurance companies will be working to limit your recovery. Contact an attorney immediately to protect your rights. Do not sign any documents provided by the insurance company, and do not give a recorded statement without first speaking to an attorney.
Insurance Coverages
After an accident, you will encounter several types of insurance coverage. Below is a brief summary of the most common ones.
Personal Injury Protection (PIP)
PIP insurance, paid through your own policy, covers 80% of your medical bills and 60% of your lost wages regardless of who is at fault in the accident. To qualify for this coverage, you must seek medical treatment within 14 days of the crash.
Property Damage Insurance
Held by the at-fault driver, this coverage pays for damage to your vehicle.
Bodily Injury (BI) Coverage
Also held by the at-fault driver, bodily injury coverage pays for injuries you sustain as a result of the accident.
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