There are different ways to collect for the costs of your injury in case of a road mishap. The very first layer would be the Personal Injury Protection benefits or the “no fault” clause. This allows you to be compensated for up to ten thousand dollars regardless of who is liable for the accident subject to certain prerequisites under the law. It could potentially cover hospital expenses along with lost wages. If it does not, there are other means that may be pursued for reimbursement.
The next level is to file a case against the guilty party himself or the one who owns the vehicle which caused the damage. Collecting the undue amounts might not be as smooth as the first method and enlisting the aid of a lawyer is highly recommended. You must institute a case within the given time frame of four years from the accident or risk being barred by the Statute of Limitations.
When these are not enough
There is another way to receive compensation for your expenses beyond the previous two methods. It is through the Uninsured or Underinsured Motorist Coverage statute. This allows the injured party to recover the costs incurred due to the accident and is not intended to benefit the negligent party or insurance companies. It is available when the the one causing the damage does not have insurance or if he has any, such is insufficient to provide full compensation. The scope of the coverage includes death, disease, bodily injury and sickness. Note that any form of rejection be it written or oral, will constitute a valid waiver of the protection this statute.
It is worth mentioning that this law also applies in cases of hit and run scenarios. Such is the case where an accident occurs however there is no one to answer for the liability because of deliberate avoidance or lack of awareness that they caused the damage. There are other instances where an injured party may benefit from Uninsured or Underinsured Motorist Coverage which can be best explained by an experienced personal injury attorney.
Counsel you can depend on
Lichtblau & Goldenberg provides such skilled and dedicated legal assistance for those in the West Palm Beach area. Our team of lawyers will listen to every detail of your concern and provide you with an immediate assessment of its merits. Call us at 561-863-9100 to schedule an initial consultation absolutely free of charge.