If you are injured in a bicycle accident in Florida, you will need to file an insurance claim with the party responsible for the accident, but the process is not simple and knowing how to proceed can be important. The steps involved in filing an insurance claim broadly involve:
- Seeking medical attention.
- Contacting your insurance company.
- Collecting evidence.
- Record expenses relating to your claim.
- Consulting a lawyer
- Knowing Florida state bicycle regulations.
Other factors you will need to be mindful of include required personal injury protection benefits, insurance policy coverage exclusions and strict time limits imposed by them to submit information. There are also Florida state laws to follow in order to pursue compensation for medical expenses, loss of property, and emotional trauma you may have suffered from the accident.
Make sure to have help when you are going to claim insurance after a bike accident, it is advisable to contact a lawyer for this to make sure your rights are protected, and your claim is presented accurately and within the specified deadlines.
Seeking Medical Attention
Even if you feel unharmed after a car on bike accident it is important to seek medical assistance, as you might suffer injuries that may not become apparent until later on. Seeing a medical professional following the accident means that any injuries are identified and properly documented for your insurance company when your claim is processed. A professional medical report can add strength to your claim.
You should seek medical advice within 14 days of the event in order to avoid limitations to your PIP coverage and remain eligible to claim insurance after a bike accident. It is sensible to speak to a bicycle personal injury lawyer if you have any questions or concerns about this.
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When possible write down and take pictures or videos of everything about the accident scene, along with photos of your injuries, and damage to your property and the other vehicle involved in the accident. This will help your case and enables you to have an accurate record of the facts at the time of the accident. Other ways to make your case more robust include:
- Filing a police report.
- Taking witness statements and collecting contact information.
- Keeping an ‘injury diary’ documenting how you feel after the accident.
- Refraining from posting on social media following your accident.
This valuable information can be passed on to your personal injury lawyer should you choose to hire one or if you are having problems with the insurance company delaying, underpaying or denying your claim.
Contacting Your Insurance Company
According to Florida ‘No-Fault’ law, in order to cover your medical expenses, you will need to go through your own car insurance. If you do not have car insurance, you could make a claim with resident relatives’ PIP insurance. Beyond this, if you have it, you can recover any remaining balance through your own health insurance.
Loss of earnings may also be recovered via PIP, but the amount is capped at 60%. You will need to have your employer submit a form to the PIP insurer.
A lawsuit may be necessary to recover any expenses beyond those afforded by your PIP insurer. If the driver is found to be negligent you may recover compensation for:
- Ongoing medical treatment.
- Loss of property.
- Loss of earnings.
- Pain and suffering such as reduced capacity to cycle or emotional trauma.
- Loss of future earnings.
Being in a car or bike accident that was not your fault can be extremely stressful, affecting your physical, emotional and financial wellbeing. This coupled with the complexities involved to claim insurance after a bike accident successfully may seem like the last thing you feel like doing, so hiring a reputable lawyer can be a valuable asset in proceeding with your claim, allowing you to fully focus on your recovery.
Record Expenses Relating to Your Claim
It is important to keep a good record of any expenses you accrue during the time your insurance claim is processing if you do need to file a lawsuit. These could include costs such as:
- Medical care and supplies.
- Personal care costs.
- Replacement of lost property.
- Lost earnings.
Other areas to take note of could include emotional distress, loss of enjoyment of life or ability to perform everyday tasks, along with details about any pain or suffering. This information will enable your lawyer to calculate the overall impact of the accident on a physical, emotional, and financial level and build a more complete picture of how the accident affected your life.
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Consulting a Lawyer
The team at Ben Crump Law, PLLC understands how difficult being in a car or bike accident can be. They will endeavor to seek justice for you, always act in your best interests, and work hard to protect your rights and pursue any compensation you are able to receive.
If you have any questions, concerns, or worries about a bicycle accident that was not your fault, connect here for a free case analysis or call Ben Crump Law, PLLC at 800-761-5225. Begin your journey to recovery today.