If you have been involved in a car accident in Miami, you may be wondering whether or not you should file a claim. The answer depends on several factors, such as the severity of your injuries, the liability of the other people involved, and your type of insurance.

The first thing you should know is that Florida is a no-fault state, which means that every driver is required to have personal injury protection (PIP) insurance that covers their own medical expenses and lost wages up to a limit of $10,000, regardless of who caused the accident. However, there is an exception: you can file a claim against the other driver’s insurance company or sue in court for additional compensation if your injuries are severe enough to exceed the threshold set by law.

Want to know what constitutes a “serious” injury in Florida? At I Help Injury, we explain:

What is a serious injury in Florida?

Under Florida Statute 627.737, a serious injury in Miami involves any of the following:

• Significant and permanent loss of a significant bodily function.
• Permanent loss or substantial and permanent disfigurement of a limb
• Significant and permanent scarring.
• Death.

If your injuries meet these criteria, you may be entitled to compensation for pain and suffering, emotional distress, property damage, and other non-economic damages that PIP does not cover.

How to file a successful car accident claim in Miami

Remember that in order to make a successful car accident claim in Miami, you must follow some essential steps:

1. Call 911 and request medical and police assistance. The police report is a key document in determining liability and accident severity.
2. Exchange information with the other driver, but do not make any admissions of fault or apologize. This can be used against you in the future.
3. Photograph the scene, vehicles involved, injuries sustained, and any other relevant evidence.
4. Seek medical attention as soon as possible and follow your doctor’s instructions. Keep all medical records and bills related to your Florida car accident injuries. It is vital that you do not wait more than 14 days to begin the claim process. If you do, you will lose your right to compensation for your medical or chiropractic expenses and treatment through your personal injury protection insurance.
5. Contact your Miami insurance company and report the accident. Do not sign anything or accept any offers without talking to a lawyer.
6. Hire a Miami car accident attorney to represent you and defend your rights in court. An attorney can help you evaluate your case, negotiate a fair settlement, or, if necessary, file a lawsuit.

Legal counsel can make the difference

It is vital that you have the assistance of an experienced Miami car accident lawyer if you have been involved in a car accident in Miami. At I Help Injury, we are committed to providing you with the best legal assistance available so that you can receive fair compensation for your damages and injuries. 

Our attorneys are familiar with the laws and regulations that govern car accident cases in Florida and throughout the United States. They will advise you of your rights and liabilities. They will negotiate with insurance companies to get you the best settlement possible or sue the responsible party if the offer is inadequate or fails to settle. 
Need help with a car accident in Miami? Don’t hesitate to contact I Help Injury, whose affiliated car accident attorneys will provide you with the legal counsel you need.