Personal Injury Frequently Asked Questions

 

What should I do if I am in a car accident?
Why does my insurance have to pay my medical bills if the accident was not my fault?

What is PIP coverage? 

What is liability or bodily injury coverage? 

If the other driver did not have any insurance, may I still recover for my damages/losses?
What is MMI? 

What is my case worth?

Who determines the value of any property damages to my vehicle? 

What should I do if their insurance adjuster calls me at home?

I was injured on someoneís property. What should I do?

I was bitten by a dog while walking outside. Can I sue for damages?

What is medical malpractice?

What should I do if a think I have a medical malpractice claim?

 


 

Q: What should I do if I am in a car accident?
A: Call the police immediately so a report can be made at the scene of the car accident. Seek medical treatment immediately or as soon as you feel any pain. Do not speak to the at-fault driver's insurance company about your injury. Call Lopez & Lopez, P.A. for a free consultation.


Q: Why does my insurance have to pay my medical bills if the accident was not my fault?

A: Because Florida is a no-fault state, your insurance company is responsible for payment of your medical bills under your personal injury protection (PIP) coverage.


Q: What is PIP coverage?
A: PIP, or Personal Injury Protection, provides that your medical bills are paid at eighty percent (80%) and your medically authorized lost wages are reimbursed at sixty percent (60%). If you elected any deductible under your PIP coverage, then your deductible has to be met before your PIP coverage makes any payments.  


Q: What is liability or bodily injury coverage?
A: Liability or Bodily Injury coverage is the portion of your automobile insurance that protects you if another driver or a pedestrian makes a claim against you as a result of a car accident.


Q: If the other driver did not have any insurance, may I still recover for my damages/losses?
A: Yes, providing that you carried uninsured motorist coverage under your automobile insurance policy at the time of your accident, or provided that the at-fault driver has enough assets.


Q: What is MMI?
A: Maximum Medical Improvement. Once your treating physician has placed you at maximum medical improvement, then we will request from your treating physician a final report giving your MMI status, which will assist us with our demand for settlement to the insurance company.  


Q: What is my case worth?
A: There are many different factors which must be taken into consideration in the determination of the value of your case. For instance, the supporting medical documentation, your lost wages and out-of-pocket expenses contribute to the value of your case. We will evaluate your case independently from any other case and will advise you once a value can be determined.


Q: Who determines the value of any property damages to my vehicle?
A: Normally, the at-fault driver's insurance company will determine the value of your property damage claim. If the other driver did not carry any automobile insurance coverage at the time of the accident, then your property damage coverage is paid under the collision coverage, if any, under your automobile insurance policy.  


Q: What should I do if their insurance adjuster calls me at home?

A: Donít talk to an adjuster until you speak to us. Keep in mind the adjuster works for the other driverís insurance company. Their job is to pay you no money at all or as little as possible. Call Lopez & Lopez, P.A. for a free consultation. 


Q: I was injured on someoneís property. What should I do?
A: You may be able to recover damages if the property ownerís negligence caused your injury. A property owner is responsible to maintain the property in a safe condition. Contact Lopez & Lopez, P.A. for a free consultation.


Q: I was bitten by a dog while walking outside. Can I sue for damages?
A: If you were legally on another personís property or in a public place and were bitten by a dog, you may be able to file a lawsuit for your injuries. Contact Lopez & Lopez, P.A. for a free consultation.


Q: What is medical malpractice?

A: Medical malpractice is negligence committed by a professional health care provider, such as a doctor, nurse, dentist, technician, hospital or hospital worker, whose treatment of a patient departs from a standard of care met by those with similar training and experience, resulting in harm to a patient or patients. 


Q: What should I do if a think I have a medical malpractice claim?

A: You should talk to a lawyer who specializes in medical malpractice claims as soon as possible. Be prepared to tell the attorney exactly what happened, from your first visit to the doctor or other health care provider, through your last contact with him or her, and any other follow up treatment you have had with any other doctors. There are time limits governing how long someone may bring a medical malpractice claim, so time is of the essence. Call Lopez & Lopez, PA. for your free consultation.