Miami Car Accident Attorneys
Why choose Abraham Law Group to help you with your car accident claim? We know insurance companies. We’ve worked for them and against them. We understand how they operate, and we know how to settle your claim for what it’s worth or litigate all the way to a jury verdict when necessary. And just as important as the results we get is the way we treat our clients. We put a premium on customer service and put our clients’ needs first. We make sure that you are listened to and that everything we do is aligned with your needs and interests. Maximizing your results, minimizing your stress. That’s why you want Abraham Law Group to help you when you’ve been hurt in a car accident in Miami. We care about you, and we know how to get results.
Help With Florida No-Fault Insurance and Liability Insurance Claims
After most car accidents in Florida, your first stop for help is your Personal Injury Protection (PIP) insurance. PIP is no-fault insurance, meaning you can file a claim without having to prove some other driver was at fault. Even if the accident was your fault, this insurance will still cover you. What does PIP provide, though? The basic policy, required for all Florida drivers, will pay 80% of your reasonable and necessary medical expenses and 60% of your wages or income if you had to miss work because of the injury, up to a total of $10,000. This obviously isn’t a complete financial recovery for your costs, but it does help.
There is a catch though. Unless you are treated for an emergency medical condition within 14 days of the accident, your benefits are capped at $2,500 instead of $10,000. This might be enough for a minor accident without very serious injuries, but remember, it only pays a portion of your medical expenses and lost wages, and only if you can demonstrate those expenses were reasonable and necessary.
If your injury was serious enough, you can go beyond PIP coverage and sue the at-fault driver for their negligence in causing the accident. If successful, you can recover for all of your present and future medical costs and lost income, as well as compensation for pain and suffering, inconvenience, scarring and disfigurement, emotional distress, and other “non-economic” damages you are forced to endure. A fault claim is allowed under Florida if you suffer any of the following as a result of the wreck:
- A significant and permanent loss of an important bodily function
- A significant and permanent scarring or disfigurement
- A permanent injury within a reasonable degree of medical probability, other than scarring or disfigurement
- Death (family members can sue for wrongful death)
With a fault claim, the burden is on you to prove your case to the insurance company or a jury if your case doesn’t settle and goes to trial. This means proving the other driver caused the accident due to negligence (speeding, distracted driving, following too close, failing to yield, drinking and driving). You also have to prove the accident caused your injuries and be able to demonstrate the costs/damages you have incurred or will incur. You might also have to defend against claims by the insurance company that your own negligence caused or contributed to the accident. If they can push any portion of the blame for the crash onto you, it won’t defeat your claim, but it will reduce the amount you can recover.
The attorneys at Abraham Law Group are experienced litigators who deal with insurance companies and insurance claims every day. We know how much your car accident claim is worth, and we know the proper way to build a case that proves the other driver’s fault and liability to you for the full extent of damages you have suffered. We take the time to understand your needs, and we put our team to work making sure you get all the care and compensation you need.
Advocacy and Assistance with Uninsured Motorist Claims in Miami
Although Florida requires every driver to carry PIP insurance, the law doesn’t mandate liability insurance, which is the coverage you would go after in a negligence/fault claim. Although it’s a good idea to carry liability insurance in case you cause a wreck, over 20% of Florida drivers choose not to carry it, ranking the Sunshine State number six among states with the most uninsured drivers. If you get in a wreck in Florida, the odds are greater than one in five that the person who hit you or caused the accident is uninsured.
If you carry uninsured motorist/underinsured motorist (UM/UIM) coverage on your automobile policy, you can submit a claim whenever you were seriously injured (as described above) by a negligent driver who was uninsured or didn’t have enough insurance to cover your damages. We recommend that all drivers carry both liability insurance and UM/UIM in as high amounts as they can afford.
Abraham Law Group can help you with your UM/UIM insurance claim. Just like with a fault claim against the other driver’s insurance, in a UM/UIM claim you still bear the burden of proving the other driver’s negligence caused the accident and your injuries. Your insurance company might still try to say you were at fault or argue that you weren’t seriously hurt. Having experienced auto accident attorneys on your side who know how insurance companies operate can be critical to being successful with your claim and recovering the full amount of compensation for your injuries.
Call Abraham Law Group for Help With Miami Car Accident Insurance Claims
If you or a loved one has been hurt in a car accident in Miami, call Abraham Law Group at 786-224-4555 for a free case evaluation. Our fees come out of the settlement or verdict we achieve for you, and if we don’t win, you don’t owe us anything. Call now for immediate assistance.
