Your Personal Injury, Workers' Comp, Disability and Family Law Concerns Put to Rest
Even a minor accident can cause physical and financial confusion, worries, and setbacks. Allow us to help answer your questions and put your concerns to bed, so you can focus on your recovery. Why wait any longer to get the answers you need? Click here and see how our knowledge, advice, and experience can help you.
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Who will pay my medical bills?
In Florida, drivers are required to have Personal Injury Protection under the no-fault system. This means that insured drivers have their own insurance companies pay the first 80% of $10,000 in medical bills. Beyond that, you may need your own health insurance or the other driver's insurance company to pay. Speaking with a personal injury lawyer at the Coye Law Firm can help you determine the source beyond $10,000.
How soon should I seek treatment?
Seek treatment for personal injuries immediately. Your insurance company or the person you are seeking a claim against may be responsible for paying medical bills, so keep all paperwork you receive regarding the accident. The law dictates a certain timeline for notifying your insurance company of medical treatment. You are entitled for compensation of medical bills if you notify your insurance company within 30 days of the treatment. If you notify them within 21 days, you may have up to 60 days to seek all necessary treatments and file appropriate paperwork.
What should I do if the other driver's insurance adjuster is trying to communicate with me?
The other insurance company may seek a written or recorded statement from you regarding the accident. You are not obligated to do this. It is important to know that anything you submit to them can be used in your claim, possibly to hurt your case.
The at-fault driver approached me to sign a release. What should I do?
If you have received money from your own insurance company for damages, you should consult the company before signing anything that may waive rights. Once the insurance company pays you money, they now have a claim against the other driver as well. If you sign a release, you could be responsible for paying back the money you received from the insurance company. contact the accident lawyers of the Coye Law Firm to learn how signing a release or waiver may affect your eventual injury settlement.
My car was hit and the driver fled. No one was injured. What charges can the at-fault driver face?
Leaving the scene of an accident where property damage occurred is a misdemeanor in Florida. If the accident resulted in an injury, it is a second-degree felony to flee the scene. The at-fault driver could face up to 15 years in prison if this occurred.
I heard that some insurance companies consider pregnancy as a disabling condition. Is that true?
Some insurance policies pay benefits for women who are out of work due to pregnancy. There might be limits on the amount and length of benefits, so the best advice is to read your policy to know when and how to apply.
I broke my leg, am out of work, and won't be back to work for about 2 months. Can I file a claim?
It depends. If your disability insurance policy states you can claim benefits in this situation, then go ahead and apply. However, a lot of policies require the disability to be long-term, or generally lasting over 6 months.
Can I appeal a denied insurance claim?
When you disagree with an insurance company's decision on your claim, you can try to negotiate with them. An insurance dispute attorney can help this process be much faster and more effective. There are loopholes and a lot of paperwork and jargon that insurance adjustors use. An attorney knows how to avoid this hassle and get you benefits as soon as possible.
Are employers required to provide disability insurance?
No. Employers are not required to provide disability insurance plans for their employees. However, once a plan is established, the Employee Retirement Income Security Act (ERISA) regulates the plans to protect employees from losing the money they've invested.
Can I get Social Security Disability and benefits from my insurance company at the same time?
Yes, at least under the Social Security Administration's rules. The SSA allows people receiving disability benefits to also receive benefits from private disability insurance policies. Your disability policy might have a clause that doesn't allow you to collect benefits under both programs, so make sure that you read your policy.