If you were recently involved in a truck collision in Pensacola, FL, you are probably struggling to get through each and every day as you likely suffered some rather serious injuries in the wreck. Aside from the physical pain and suffering you might be experiencing, you may also be feeling stressed and even overwhelmed as the medical bills for the treatment you had rendered already have arrived in the mail. But what if you cannot afford the bills and what if you were not at fault for causing the crash? Are you still responsible for paying them or should the trucking company foot the bill?
These are both very good questions and actually common among those who have been involved in an accident that has left them injured. So, here are two possible answers. If you were not liable for causing the wreck, you may be able to recover some compensation now and some later. Here’s how. In the state of Florida, drivers are required to carry a minimum amount of Personal Injury Protection (PIP) insurance. Currently, the Florida Department of Highway Safety and Motor Vehicles says that you must have purchased $10,000 in PIP protection and $10,000 for property damage liability.
Now, the good thing about having PIP insurance is that it helps injured drivers recover these funds for medical coverage immediately rather than having to establish fault through the court system [Source: Florida Office of Insurance Regulation]. That means that regardless of who was at fault, your insurer should reimburse you for your medical treatments up to the limits you have set. In the event your medical care was lessthan your limits, then your insurer will likely only reimburse you for the amount needed to satisfy these bills.
What if my PIP insurance coverage isn’t enough?
Unfortunately, because most truck accidents result in serious injuries being sustained, you might find that your medical treatments have amounted to more than what your PIP limits are set at. If this happens, then you need to consider contacting a truck accident lawyer in Pensacola, FL who can help you file what is known as a personal injury lawsuit. Given you have evidence that proves the trucker and/or the company in which they work for was at fault, then you should have no problem recovering compensation for the remaining medical bills you cannot afford to pay.
Now, you should be mindful of the fact that just because you sue doesn’t always mean you will win your case. You will need an aggressive and dedicated FL truck crash lawyer working on your side to establish why you deserve the compensation you are seeking along with why the trucker and/or their employer should pay it. These cases can take time to settle so you will need to be patient. In fact, some personal injury cases can take months or even years before a settlement is reached so be prepared for this. In the event the company is accepting liability and is willing to provide you with a settlement immediately rather than take your case to court, then you may find that you receive your funds much quicker than most victims.
While you may be preparing to contact your insurer to find out how you can recover your PIP benefits, it would still be beneficial for you to contact a truck wreck attorney as well as they can begin assessing your case and even get started on the paperwork that must be filed. If you need help locating an attorney in Pensacola, FL or a nearby area, contact USAttorneys.com today. We work closely with some of the best lawyers who specialize in truck accident law who would be more than happy to help you.