I have involved in a car crash with an uninsured motorist. I live in Florida. I have a liability insurance. The crash happened when I stopped at stop sign and the car behind me didn't stop and damaged the back bumper of my car. We called the cops and did a crash report. The other party has no insurance. My wife start to feel a back pain next morning.
Please advice me what to do with the bills to fix my car and pay for my wife doctor visits and medication.
That's a sad and common situation. Call a local personal injury attorney and see if any source of compensation can be found. I wish you and your wife well.
Any information offered is solely for general informational purposes, and does not create any attorney-client relationship. Neither should any of the information given be construed as legal advice. Every case is unique and possibly subject to limitations, and so I highly encourage you to speak with an attorney about the facts specific to your situation.
If you have uninsured motorist coverage, your insurance company will pay, it is as though you paid for both you and the other driver.
If you do, consult with an attorney, right away. Today would not be too soon.
If you don't, you are going to have to pay. If you had collision coverage your insurance company will pay but only above the deductible. You can sue the driver and owner of the other vehicle. If the other driver was on the job at the time the employer might have liability. And, the other driver may have assets to go against.
I do not do personal injury work so can't speak to the medical coverage of your policy.
A consultation with an attorney, TODAY if possible, will get your questions answered
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You wife's initial medical care can be paid for through the personal injury protection coverage available under your automobile policy. This personal injury protection usually provides $10,000 in coverage for medical bills and lost wages. Also, you need to look at your automobile policy to verify whether you have Uninsured Motorist Coverage. If so, this coverage will provide compensation for your wife's medical bills and injury claim. She may also be able to make a claim against the Uninsured Motorist coverage of any other relatives who live in your household. Obviously, it is important to speak with an attorney regarding your rights and what coverages are available to you.
Generally, if the other car was totally uninsured you would have to look to your policy and have your car repaired under your comprehensive coverage, subject to your deductible, if you have it. Your wife,s medical bills can be paid under your own policy under PIP again subject to any deductible or co-pays, which are your responsibility up to $10,000. I hope ;you have UM or uninsured to totally compensate you. Obtain a consult from a Florida injury lawyer and notify your insurance company.
This response is to provide general legal information and does not constitute legal advice nor should it be considered or viewed as forming any sort of attorney-client relationship and such information provided is viewable by the general public.
Hopefully your wife obtained treatment within 14 days of the accident. Make sure the doctor has your auto insurance information- they should bill your PIP coverage for treatment. If you have uninsured motorist coverage, you should place your uninsured coverage on notice of a potential claim. You have several potential issues, and I would recommend an immediate consult with a seasoned personal injury attorney.
Your car has insurance for people injured in it even if it was some one else's fault. Your car pays for medical treatment even if you drive into a tree, because it does not matter who was at fault, hence the name, No-Fault insurance. But, you have to get the initial treatment withing 14 days of the injury! Go to a walk in clinic.
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