Each year in Naples, FL numerous people unfortunately find themselves in an auto accident. Even more unfortunately, many of these accidents result in serious injury or even death. Given the complexity of insurance law and the fact that valuable evidence can and often does get lost in the midst of an auto accident, you need to act quickly to protect your right to be compensated by contacting Garvin Law Firm today at 239.267.5657 to review your case for free.What to Do If You Are Involved in an Auto Accident in Naples, FL
Request medical attention for your injuries immediately. Taking an ambulance ensures that you receive the fastest care possible as soon as you arrive at the hospital.
If you do not have an attorney present on your behalf, do not give any statements about your car accident to anyone other than law enforcement.
Get photographs taken of the scene and the vehicles involved in the accident.
Have a family member take pictures of all injuries sustained and, to the extent possible, the medical treatment you receive.
Do not sign any documents giving possession of your vehicle to any insurance companies without the approval of your attorney.
Keep a record of all expenses, medical or otherwise related to your injuries.
Consult a Naples personal injury lawyer of your choice to represent you.
If you have been in an auto accident in Naples, FL, act quickly and contact us today for a free case review and discuss how we can help you get the compensation you deserve.Other Naples, FL Auto Accident Information Florida’s No Fault Law: How It Applies to Your Car Accident
When the Florida legislated a no-fault insurance system, its intended effect was to lower statewide auto insurance premiums. Unfortunately premiums have only been steadily rising since the law was enacted in 1972. The tradeoff for the claimed premium reductions was limitations on the right to sue for injuries received in an automobile accident.
In order to file a lawsuit that includes a claim for pain and suffering, the injured party must show proof that one of the following is present.
- Significant or permanent loss of an important bodily function
- Injury that is permanent within a reasonable degree of medical certainty
- Significant and permanent scaring or disfigurement
First and most importantly, Florida’s current PIP law limits even further the amount of lost wage and/or medical expenses that will be covered if your initial treatment does not occur within 14 days of the motor vehicle accident.
Florida Statue 627.736 discusses some of the limitations on the coverage; for additional information feel free to contact our office.
Florida law also specifies for a four (4) year statute of limitations in auto accident cases, with the time period starting on the date of the accident. If you wish to further pursue your claim, do not delay because it could jeopardize your legal rights. If an action is not filed within the appropriate time frame, you will forfeit your right to do so.
Furthermore, in the event that the car accident resulted in a death, the deceased person’s representative has only two (2) years from the date of the death within which to pursue a claim.Florida Automobile Insurance
Here are the five (5) basic types of automobile insurance coverage that may apply to an auto accident in Naples, FL:
Liability (aka. Bodily Injury Coverage or BI) – Insures you in the event that somebody else is injured as a result of your negligence.
Uninsured Motorist Coverage – Protects you in the event that you are injured by someone who is either uninsured or underinsured.
Property Damage Insurance – Insures you if you should cause damage to the property of others.
Comprehensive Insurance – Covers you for damage to your vehicle, theft, and loss of use of your vehicle.
Personal Injury Protection – Provides you with a total of up to $10,000.00 in insurance coverage that can be used to pay up to 80% of your medical expenses and 60% of your lost wages, along with death benefits in the amount of $5,000.00. PIP insurance is part of Florida’s no-fault insurance system. Under this system, an injured party is permitted to receive up to $10,000.00 from their own insurance company for injuries or damages, regardless of who was at fault.
Medical Payment Insurance (aka. Med Pay) – Can be purchased if a driver wishes to raise the amount of insurance available for necessary medical treatment. Like PIP (mentioned above), this insurance should be paid regardless of fault.
Umbrella (aka. Excess Coverage) – Often individuals with collectible assets or corporations will purchase additional coverage for liabilities that exceed standard auto liability policies.
Contact our Naples office by phone at 239.267.5657 or online today for a free consultation. We will help you with making sense of complicated insurance laws, and dealing with the aftermath of an auto accident. With over 30 years of handling car accidents in Florida, you can trust Garvin Law Firm to fight for the maximum compensation you deserve.