Not only are car accidents frightening events, but they can also be very expensive.

If insurance doesn't cover certain aspects of the car crash, then the driver may have to pay out of their own pocket.

What's even worse...serious injuries from a car accident may prevent you from working and earning the income needed to pay for your life's necessities like food, shelter, and clothing. Lost wages personal injury car accident attorney lawyer orlando motor vehicle car insurance benefits

The overall cost of a car accident may include:

  • Injuries
  • Property damage
  • Rental car
  • Rehabilitative services
  • Medical equipment
  • Disability costs
  • Funeral costs
  • And more...

As you can see, the costs can pile up quickly.

Imagine now that you don't have a steady income to pay for these costs. Losing wages after a car accident forces families to deal with two tragedies. 

Using Personal Injury Protection Benefits to Claim Lost Wages

An injured driver can claim 60 percent of the income they lose due directly to the injuries caused in the car accident by using their personal injury protection (PIP) coverage
In Florida, every vehicle owner is required to carry $10,000 in PIP coverage as a part of their car insurance policy. PIP benefits may pay for the insured's injuries and medical treatment after an accident, no matter who was at fault. 
The first thing to understand about PIP benefits in Florida is its limits. PIP is like a line of credit; once it is used up, it is gone.
For instance, if you were transported to a hospital and a number of tests were run, such as bloodwork, CT or MRI scans, then a good amount of the $10,000 in available coverage is probably used up.
If you use your coverage to pay for medical care but realize you need that money to pay for lost wages instead, you can rarely go back and tell the insurance company where you would rather use that coverage. You must notify the insurance company in the beginning that you wish to reserve the funds for wage loss, and you must notify your doctor's office and/or hospital that you need them to bill your health insurance. While hospitals and doctors genrally prefer to receive PIP benefts over other forms of payment, it is ultimately your decision how to spend your PIP benefits. 

If you plan to use your PIP benefits for lost wages, it is very important to pay attention to when your claim is reaching it's limit. Talk to a personal injury lawyer to learn more about saving part of PIP benefits for lost wages.

How to Claim Lost Wages After a Car Accident

When dealing with insurance companies, documentation is everything.

Your car insurance company requires documentation in order to see the connection between your injuries and your inability to work. You may also be required to show them work-related documents that prove your salary or hourly income.

Step 1) Track Time Missed From Work

Keep track of how much time you miss from work. Get documentation from your supervisor or human resources department stating exactly which days you were absent. You may also need to produce earnings reports or pay stubs in order to prove the wages you earn regularly.

Step 2) Keep Documents That Relate to Your Claim

As you go through treatment, keep documents that relate to your claim, including:
  • Doctor's statements
  • Prescriptions
  • Referrals for other doctors or specialists
  • Medical records
  • Medical bills
  • Correspondence from health providers
  • Correspondence from insurance companies

Step 3) Consider Hiring an Attorney 

If you're hurt and out of work, you need to focus on recovering from your injuries instead of keeping track of insurance policies, medical records, and bills. An accident lawyer at the Coye Law Firm may be able to maximize your benefits. Our team helps demand lost wage benefits in addition to those relating to medical care and rehabilitation after a car accident.

Lost wages are just a part of the many benefits available to personal injury victims. If you have questions about your Florida auto accident case or injury case you can download a FREE copy of Wade Coye’s book, Sharing the Secrets, Learning the Lies: A Guide to Florida Personal Injury by clicking here. You can also contact our expert team at Coye Law by calling (407) 648-4940 today, or by filling out a contact form by clicking here.