I am very sorry to hear about your accident and injuries. My firm exclusively handles automobile accidents in Gainesville. We would be happy to speak with you about your accident in the event you have not retained an attorney. You most certainly have a claim for damages against the negligent driver who caused your accident. There are many issues, including available insurance and health insurance reimbursement. Please feel free to contact me if I can assist you.
First, you would have to review their policy to see what does and does not apply to your situtation; however, I would doubt the towing and loss of use provision of the Defendant's automobile policy would cover your loss as a Plaintiff. Those policy generally only cover the person who purchased the insurance or, in your case, the Defendant. I wish you well with your situation.
Generally yes. You will need to find an attorney who is licensed to practice law in the State of Florida to prosecute your case in Florida courts. I generally recommend you look for an attorney who has experience in the specific area of law related to your case. It is also helpful to have an attorney that is located in the area where the case will be prosecuted. Good luck with your claim.