Motorcycle accidents can be truly devastating. Forcing victims to deal with injuries and medical bills can be hard to bounce back from. Dealing with these types of accidents is not uncommon in Florida. In Florida, it’s important to understand the liability that comes with covering those costs. Meaning, figuring out who is going to pay for your injuries. That’s why it’s in your best interest to determine who is liable for covering those growing medical bills.
Florida’s Unique No-Fault System:
In Florida, the state works on a no-fault system. Which helps to process insurance claims after these accidents happen. However, the system can be complicated to work through. Especially for motorcycle accidents. Most drivers involved must follow the system in place, motorcyclists are typically exempted from the rule. This means that they must file a claim with the insurance company of the party that is at fault. Making things a bit more complicated for them.
Determining Liability:
It can be difficult trying to figure out who is liable for the accident. It requires a good look at the scene and gathering the right amount of evidence. If there were witnesses, their statements would be taken down to get a better idea. There are other factors involved such as traffic violations and if the driver was not paying attention. From there it can be determined who was liable. If the motorcyclists can prove the driver was at fault, then the driver is responsible for dealing with the medical bills.
Comparative Negligence in Florida:
Florida follows the comparative negligence system. Meaning that fault is not exactly obvious. Each party involved is given a percentage of fault for the accident. This can be determined by the actions that led up to the incident. If the motorcyclists had some fault, then their compensation is possibly reduced. But only by the percentage that was assigned. This system is designed to keep drivers responsible and help them pay attention to their actions.
The Crucial Role of Uninsured/Underinsured Motorist Coverage:
In Florida, it’s not mandated for motorcyclists to invest in uninsured/underinsured motorist coverage. Though it is always encouraged. Having this type of coverage provides the safety needed for these accidents. If the motorcyclists have medical bills, then this coverage can cover the costs. Helping the motorcyclists keep up with their finances during a stressful time.
The Option of Personal Injury Protection (PIP) Coverage:
Motorcyclists can always opt for Personal Injury Protection in moments like these. This coverage acts as a type of insurance that can cover medical costs and lost wages. It doesn’t matter who is at fault, it’s meant to cover the motorcyclists injured. While it can be costly, having this type of coverage is a great choice. Especially if you don’t have health insurance. This can cover all the extra costs that can add up during the accident.
The Role of Health Insurance:
Health insurance is usually what keeps people afloat after they have been involved in an accident. These policies are available to cover a portion of the expenses that are adding up. However, some deductibles and copays come with these bills that might not be covered. Health insurance providers can help with settlements that the injured party receives. The goal is for the costs they recover from the settlement to pay for the medical treatments that were covered by the insurance. The knowledge provided can help victims avoid being surprised when they are in the situation.
The Support of Legal Experts:
Having a legal expert on your side can make all the difference. Especially when it comes to dealing with insurance companies and other producers that come with your accident. These types of details can be overwhelming for one person to deal with. A trusted attorney understands what needs to be done for your case and will make sure everything works out in your favor. With their experience, they will take care of your case with a positive result. You don’t want to miss out on anything you might be owed simply because you didn’t have an attorney with you.
A motorcycle accident typically ends with a staggering amount of medical bills for you to deal with. If you know what to look out for, then you can put yourself in the right position to get that money back. This can help you get on the road to recovery without having to stress about your financial situation. It’s in your best interest to research a trusted legal team in your area. From there, they will pair you with an attorney who is ready to fight for you. They can guide you through the process and do all the hard work for you. All they want you to do is focus on recovering from your injuries. You will soon get the justice that you deserve.