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If you suffer minor injuries in a car accident, your own insurance policy will cover 80% of your medical expenses. It will also pay up to 60% of your wages lost. All totaled, “PIP insurance” (which stands for Personal Injury Protection) or No-Fault Insurance pays only up to $10,000—the maximum available coverage. Beyond your PIP coverage, you may also have some sick time you can use to ensure your family's bills can still be paid.
But what happens if you suffer serious personal injury and cannot return to work for weeks or months? What if you will never be able to return to your job? How will you be able to pay for your medical expenses and your everyday bills then? How will you provide for food and shelter for you and your family?
If you suffer serious personal injury in a car accident, a lawsuit or legal claim for damages can get compensation for your serious personal injury, including medical expenses, lost wages, and pain, suffering, or disfigurement.
It's important to note, however, that Florida law follows a comparative fault rule. This means that you can only receive compensation for your injuries in direct proportion to the amount of fault borne by the other person in the car accident. So, if the jury determines you were 40% responsible for the accident that caused your injury, then you will only receive compensation for 60% of your losses.
This makes it crucial that you work with a personal injury attorney who understands how to represent relative fault in ways most favorable to you and knows how to catalog the damages to ensure that nothing is left out.
If you have suffered serious personal injury in a car accident in or around Sarasota, Florida, the Luhrsen Law Group is a family practice that is prepared to fight for your family. Please contact us today for a free initial consultation.