Insurance companies often raise the premiums of those they deem to have at least some fault for an accident. A thorough investigation performed by an experienced Bonita Springs car crash lawyer may be an effective way to clear your name.

Because Florida has a no-fault insurance system, you must first seek compensation from your own provider instead of the other driver, which is why the state requires every driver to carry personal injury protection (PIP) insurance.

While this can help drivers receive compensation quicker since they don’t have to prove fault, they might not receive nearly enough to cover the full extent of damages. PIP only reimburses up to 60 percent of lost wages and 80 percent of medical bills up to your policy limit – usually $10,000 – which could leave victims struggling to pay the remainder.

PIP also doesn’t cover pain and suffering damages, which means you’re not entitled to compensation for the physical pain or emotional trauma caused by the situation. Even with no-fault insurance capping the amount of compensation you can receive, your insurance provider may still try to deprive you of the compensation you need by downplaying your injuries or denying responsibility.

There are ways you can increase your total reimbursement, depending on your circumstances. If the other driver wasn’t insured and your policy includes uninsured or underinsured motorist coverage, you could possibly receive compensation from that as well as from PIP.

Alternatively, you can also sue the other driver with the help of an attorney; however, if they don’t have the funds or assets to properly compensate you, this may not be a feasible path to financial recovery.

The experienced attorneys at our Bonita Springs auto accident firm will assess your situation and help you find the best solution to maximize your claim’s value.