Motor Vehicle Accident
If you or a loved one have been injured in an Automobile Accident, you are already aware of the emotional and mental stressors involved in the aftermath of a collision. It is our job to help you navigate through the legal aspects of your case and do everything in our power to make it a seamless process so that you can be on the road to recovery and focus on your medical care and treatment.
First, it is important to know and be aware of all of the factors at play in the legal side of your automobile accident case. Several factors include liability (which vehicle is at fault), insurance coverage, the severity of your injuries and any medical costs you have or will acquire going forward.
Ingram Injury Law has the experience and dedication required to help you navigate all of these aspects. Moreover, at Ingram Injury Law you are treated as a client, not a case number. If you or a loved one have been injured in an automobile accident, call today to get personal and individualized attention from both of our attorneys: Attorney Tim Ingram, Sr. and his son Attorney Tim Ingram, Jr.
Legal Factors of Your Case:
Liability
When you are involved in a Motor Vehicle Accident, it is extremely important to determine who is liable, or who is at fault. More often than not, a Police Report will successfully determine which Vehicle is at fault, or who caused the accident. Sometimes however, liability is disputed and it is unclear which Vehicle is at-fault for the Motor Vehicle Accident.
If you or a loved one have been injured in an accident that was NOT your fault, it is important that you seek legal advice today. You may be entitled to compensation for your injuries. Call our office today at 727-723-9800 in order to go over the facts of your case, so that we can help determine the at-fault party. At Ingram Injury Law, your case will be personally and individually handled. You will speak directly with the two attorneys, and our entire staff will know you by name, not just as a case number. We are a family firm, and at Ingram Injury Law, your case matters.
Insurance Coverage
After you’ve been injured in an automobile accident, there are several insurance coverages that may or may not be available to you. These different insurance policies allow you to treat your injuries resulting from an automobile accident that was due to someone else’s negligence. The four main types of insurance coverage that may or may not be available to you include the following:
PIP
Personal Injury Protection (PIP) Coverage
Every driver in the state of Florida is required by law to have Personal Injury Protection (PIP) Insurance coverage. PIP Coverage is for YOU to use if you have been injured in an automobile accident, no matter where the fault lies. This Coverage is used to pay for 80% of your medical care and treatment.
PD
Property Damage (PD) Liability Coverage
Just like PIP Coverage, all insurance policies in the state of Florida require Property Damage Liability Coverage. This required coverage from the “at fault” party is to be used to pay for the property damage sustained by your vehicle after an accident, that is not your fault.
UM
Uninsured Motorist (UM) Coverage
Uninsured Motorist (UM) Coverage protects YOU from the negligence of other drivers who may be uninsured or under-insured. It is critical that you have UM on your insurance policy so that YOU have money to treat your injuries if you are injured in an automobile accident from a negligent driver without any or insufficient Bodily Injury (BI) Liability Insurance. Check your policy today to find out if it includes Uninsured Motorist Coverage.
BI
Bodily Injury (BI) Liability Coverage
Bodily Injury (BI) Liability Coverage protects the Person who was not at-fault for the accident. If you have BI on your insurance policy, and if you cause an accident, then that BI coverage is available to the injured party depending on the outcome of the legal process. Likewise, if YOU were injured in an automobile accident due to someone else’s negligence, you could be eligible to receive the at-fault driver’s BI Coverage.
Injuries and Medical Treatment Covered by PIP Insurance
If you have been injured in an automobile accident, the biggest and most primary concern for many clients is treating the injuries that they sustained in the accident, caused by someone else’s negligence. It is important that you seek medical care and treatment within 14 days of the accident in order to activate your PIP insurance policy. If you do not seek medical care and treatment within 14 days of your accident, you will not be eligible to receive your $10,000 in PIP insurance coverage that pays 80% of your medical bills up to $10,000.
Permanence of Injuries
In motor vehicle accident cases, in order to recover “pain and suffering” damages, Florida law requires evidence that the injured person’s injuries are “permanent” in nature. Your treating doctor determines whether your injury is “permanent” in nature. Typically, a “permanent” injury involves 6 months of medically documented symptoms of pain and limitations and/or “objective” evidence of a “permanent” injury such as a herniated disc, caused by the accident.
It is our job to handle the legal aspects of your case, so you can focus your attention on your medical care and treatment, and the road to recovery.
