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Do I Need a Attorney in a No Fault Insurance State?


In the state of Florida, there’s a “no fault” accident law. Essentially, this law means that in the case of an accident, each driver is responsible for contacting their insurance companies to pay for the cost of lost wages, medical expenses, and other fees associated with the accident. Thanks to this no fault law, a minor fender bender typically doesn’t require assistance from a attorney. However, even if you’re in a no fault insurance state, there are still several reasons why you might want to contact a attorney after your accident.

Reason #1: Your Accident Costs Exceed Your Insurance

Florida state law requires every driver to carry personal injury protection insurance when driving. Each driver must carry a minimum of $10,000 insurance. When you arrive at the hospital, the hospital will first turn to your insurance to receive payment for your accident—minus any deductibles and copays that you owe as your portion of those costs. If your accident costs exceed your insurance, however, you have the legal right to compensation. In this case, working with a attorney is the most effective way to ensure that your lost wages and your medical bills are reimbursed.

Reason #2: You Were Permanently Disabled In The Accident

In the case of a permanent disability as a result of the accident, you may be able to receive legal compensation. It’s important, in these cases, to be sure that you work with a attorney. In many cases, insurance companies will start by offering you the lowest possible settlement amount that they can get away with, but working with a attorney can help ensure that you are fully protected and able to receive the compensation you deserve.

Reason #3: There Was A Death During The Accident

If a loved one was killed in an accident, it’s important to work with a attorney to ensure that you receive the proper compensation. Your attorney will be able to work with you to determine whether or not you have a wrongful death lawsuit, whether you have the right to file for damages, and how you should handle your case moving forward.

Reason #4: You Were Partially At Fault

If you were partially at fault for an accident in which you also suffered injuries, it’s important that you contact a attorney as soon as possible to ensure that you are properly represented. Note that in many cases, each driver may be determined partially at fault, so it’s important that you collect the proper documentation and evidence and work closely with your attorney throughout this case.

If you’ve been injured in a car accident, it’s important that you receive the right legal support. Contact us today at 800-373-8000 to schedule your free consultation or to learn more about how we can support you throughout the process of getting the compensation you deserve for your accident.

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