4 Auto Accident Facts
If you have been involved in an auto accident, you may be feeling angry. Accidents can leave you with serious physical injury in addition to the damages to your vehicle. If you may be wondering what is going to happen now that you have been involved in an accident. Here are 4 auto accident facts for you to look at.
Auto Accident Forms
After involved in an accident there are very little in a way of forms that need to be filled out. Sometimes your automobile insurance company will need a personal injury protection application or a PIP application and that’s a very simple form to fill out, it’s one page and on the second page there is a blank for two authorizations, one to allow your insurance company to obtain your medical records and one for you insurance company to obtain evidence of any wage loss as a result of the accident but it’s a very simple form to fill out.
No Seatbelt in Auto Accident
If you’re in a motor vehicle collision and you are not wearing your seatbelt you may still have a very serious claim. Often if you’re injured in a collision through no fault of your own some of your injuries could have been prevented by the wearing of the seatbelt so you may be limited in your recovery as to those injuries, but you may still have a very important invaluable claim.
If you are injured in an automobile accident, there are basically two types of damages that you can receive. One, to repair your vehicle and one for the injuries that you suffer in the accident under the damages available to repair your vehicle; your vehicle will be repaired by a reputable repair shop. If your damage to your vehicle amounts to over 80% of the fair market value of your vehicle, your vehicle will not be repaired instead they will provide you with a fair market value of your vehicle at the time of the accident plus applicable sales tax, so you can go out and buy another vehicle. In terms of your damages for your personal injury, your bodily injuries, you have two types of damages, you have economic damages which are unpaid medical bills, those that are not paid by your PIP and unpaid wage loss that’s not paid by your PIP. In addition, there are non-economic damages to include pain and suffering, mental anguish, inconvenience, disability or impairment and loss of the ability to enjoy life’s pleasures. These non-economic damages are very subjective in nature and to be eligible for those you basically need to have suffered a permanent injury because of the accident, something that your doctor will render his opinion on in his reports and his records.
Auto Insurance Pays for My Medical When I’m Not at Fault
Oftentimes when individuals who have been involved in an accident come in to our office, they ask why their automobile insurance company has to pay their medical bills. Florida is a no-fault state meaning regardless of who’s at fault in an accident your personal injury protection or PIP benefits under your automobile insurance will be primary in terms of paying for your accident related medical bills. Once that PIP benefits or coverage is exhausted then any health insurance you might have will step in and pay the bills above what is paid by your PIP care.
Have you been involved in an auto accident? Contact our experienced Tampa Personal Injury Attorneys today for a free consultation.