Florida’s no-fault insurance requires all drivers to carry a minimum of $10,000 in personal injury protection, which pays medical expenses, lost wages, and death benefits for your injuries. This means that you file a claim with your own insurance company first for any injuries, but you can still sue for damages if the accident costs exceed the PIP coverage limits.
What Does No-Fault Insurance Mean In Florida?
In Florida, “no-fault insurance” means that if you are in a car accident, your own car insurance will cover the cost of your medical bills, no matter who caused the accident, and that is known as the no-fault system. The no-fault insurance will pay up to $10,000 to help you recover after the accident.
Personal Injury Protection
Personal Injury Protection, commonly known as PIP, is a crucial part of your auto insurance coverage in no-fault states. It helps ensure that you get immediate medical attention and support without having to wait for a lengthy claims process or determine who was at fault. PIP covers 80% of your medical expenses, 60% of your lost wages if you’re unable to work due to your injuries, and 100% of necessary replacement services such as housekeeping, transportation to medical appointments, or childcare. Suppose you’re unable to manage those tasks yourself. This coverage helps regardless of who caused the accident, providing support during your recovery. However, securing your full benefits can still be complicated, which is why having legal guidance is essential.
How will Hutch firm help you navigate no-fault claims?
No-fault claims can be difficult to understand, especially when you’re dealing with injuries, stress, and mounting medical bills. The Hutch firm will step in as your advocate and guide, handling the legal and insurance complexities so you can focus on healing. We will help you gather and submit all required documentation, file claims correctly and on time, and ensure that nothing is missed in the process. If your benefits are delayed, underpaid, or unfairly denied, Hutch will step in to challenge the insurance company and protect your rights. We’re committed to making sure you receive every benefit you’re legally entitled to under your PIP coverage.
Making Sure You Get the Full Benefits You Deserve
Insurance companies often prioritize their profits over your recovery, and it’s common for them to delay, deny, or undervalue PIP claims. That’s where Hutch makes a difference. We don’t let insurers push you around or take advantage of your vulnerable situation. Our team will conduct a detailed review of your case, challenge any wrongful denials, and negotiate aggressively to make sure your medical bills, lost wages, and necessary support services are paid for in full. With Hutch by your side, you can rest assured that you’ll get every dollar you deserve.
Determine If Your Injuries Qualify For a Lawsuit
Under Florida laws, you can’t sue the at-fault driver unless your injuries meet a certain expectation. We will help document and evaluate your injuries, determine if you qualify as having “serious injury.” If you are eligible, we will help build your case and get you the compensation.
Handling Communication and Guiding You Step By Step
After being in a car accident, it is very stressful. With Hutch, we will handle the communication back and forth. Hutch negotiates settlements on your behalf and will protect you from insurance tactics that will minimize your payouts. From day one to the final settlement or court result, Hutch firm provides clear legal advice, transparent communication.
Contact a Lawyer today to get the possible outcome after your car accident
If you’re unsure whether your no-fault claim is being handled fairly or if you’re eligible to go beyond PIP, Contact Hutch Firm today for a free consultation.
We’ll review your case, explain your rights, and fight for the full compensation you deserve.