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How To Determine What Your Car Accident Case is Worth

Car accidents happen extremely often and can be very stressful to deal with. Many times, the parties involved are dealing with strong emotions and are not in the best shape for dealing with the legal process. However, keeping a level head in the aftermath of your accident can play a major role in the outcome of your case. The sooner you can acquire legal representation, the better your chances of getting the most compensation for your accident. Esposito Law Firm, P. A. cares about your well being, and we want to make the legal process easier for everyone. Here are some factors that will directly affect home much your car accident case is worth. 

Acquiring a copy of any police report can affect the outcome of your auto accident case. Insurance companies are going to do anything they can to avoid paying you. Having a copy of the police report allows the insurance companies to contact the police that responded to your accident and make sure any statements made are true. Always ask for a copy of the police report. 

It is also imperative that you seek medical attention as soon as possible. Even if you are not in immediate pain, you should still go see a doctor. Any injuries caused by the accident can affect your claim, and failure to seek medical attention within fourteen days of the accident can drastically decrease the compensation you receive. If you have pre-existing conditions, before and after scans can prove whether or not the accident made your condition worse or caused additional damage. This can also affect the outcome of your claim.

If there are witnesses, make sure to talk to them and get their contact information. If they help your case you will want to stay in touch. However, if the witnesses will hurt your case, you will want to know how to counter that. You should also avoid any admittance of fault. Saying things like “I can’t believe I did that” or even something as simple as “my bad” could be used against you in court. If the other driver makes this mistake though, you can use this to your advantage to prove fault and get more compensation. 

Your attorney can help you use all of this information to get the best settlement from a personal injury lawsuit. Call Esposito Law Firm, P. A. today for more information.

Types of Car Insurance Coverage in Florida

Florida is one of the most visited, and one of the most attractive states to retirees. The sun and beaches draw people in from all over the United States and from all over the world. With more people flocking to Florida every day, the roads are becoming more crowded. This also means your risk of being in an auto accident goes up. While Florida drivers are required to have basic insurance, there are many different types of auto insurance in Florida. Here at Esposito Law Firm, P. A., we care about your safety and want you to be aware of your options. 

Florida law requires all drivers to have personal injury protection coverage and property damage liability coverage. Personal injury protection coverage (PIP) is there to cover injuries to you and your immediate family. PIP also covers lost wages, but will only pay for 80% of your medical bills and 60% of lost wages up to ten thousand dollars. Florida is also a no-fault state, which means your coverage will cover you regardless of who is a fault. The only catch is that you must seek medical treatment within fourteen days. 

Property damage liability coverage (PD) is there to cover any property damage caused by an accident. Your PD coverage will not cover damage to your car, however, it will cover damage to any property. Usually, the property damaged is another person’s vehicle, but PD also covers damage to buildings or anything else you damage in an accident. If someone hits your vehicle with theirs, their PD coverage will likely cover the damage.

Bodily injury liability coverage (BI) Is not required in Florida. BI exists to pay for medical bills, lost wages, and pain and suffering of any person injured by you. If you injure someone and you do not have BI coverage, you could be held liable for their medical expenses. Uninsured motorist and underinsured motorist coverage also are not required by Florida law but can save you a lot of money if you are in an accident. 

Call Esposito Law Firm, P. A. today for more information.

Legal Rights in a Rideshare Accident

Ridesharing services like Uber and Lyft have revolutionized travel, and made it easier for people to get where they need to be. These services are great for those living in big cities, and for those without a vehicle. The popularity of ridesharing services has been on the rise since their inception, and more people use these services now than ever. 

Ridesharing is great, but what happens when your driver gets into an accident? Most users don’t ask this question, but it is important to consider before you get in the passenger seat. Below is a brief synopsis of your options when involved in a ridesharing accident.  

If you are in an accident while riding with a rideshare driver, there are several things you need to be aware of. Ridesharing services have various stages for every pickup. For example, if your uber driver has agreed to give you a ride, they are considered “en route”, but if that uber driver is waiting for requests, they are considered “available”. The stage that the driver is at in the process will affect your options for receiving compensation. If you are in the vehicle with the driver on the way to your destination, you have the best chance of receiving compensation.

Uber and Lyft both offer one million dollars for liability and underinsured/uninsured motorists. This is only available to you if the driver is on the way to get someone or on the way to drop someone off. If the driver is waiting for a job, both Uber and Lyft offer compensation. The compensation for an accident with a driver that is waiting for jobs is far less than that offered to passengers that are on the way to their destination. 

Claims get complicated when you are driving a car that is struck by a rideshare driver. Different services handle this situation differently, so you’ll want to contact both the service, your insurance, and your attorney as soon as possible. 

If you or a loved one are involved in any type of automotive accident, call Esposito Law Firm, P. A. as soon as possible. We will fight diligently for the legal compensation you deserve.

Can Passengers Benefit From Car Accident Lawsuits?

While accidents are typically only the responsibility of one or more drivers,  there are often other parties involved in a car accident. All too often passengers decide to just let the driver handle the situation, but this is not ever the best course of action. As a passenger in a car accident, you have legal rights. Passengers involved in accidents actually have more options for receiving compensation than either driver. Here at Esposito Law Firm, we believe that knowledge is the greatest weapon for any person on the road to have. 

As the passenger involved in a car accident, you have several possible courses of action. The obvious first option is suing the other driver. As the passenger, if you are injured in a car accident you are entitled to compensation by the party at fault. If the other driver is at fault, it should be pretty easy to get compensation for injuries. It will be even easier to get compensation with Esposito Law Firm representing you.

The other option is to sue the driver of the car you were riding in. This may be difficult as generally the driver and passenger know each other or are friends. However, if you are seriously injured, you should not be burdened by medical bills for an accident that was not your fault. It is not uncommon for people to say they’ll pay for damages and medical bills and then not do it. We understand that this is a difficult situation, but we at Esposito Law Firm advise that you get legal representation in all cases. This is the only way to ensure that you will get representation and will be put into severe financial stress for an auto accident. 

Another option is to file a claim against your own insurance company for personal injury protection. This isn’t the most obvious option but if you have auto insurance and a car, you may be eligible for personal injury protection. Per the usual, the insurance company is going to do everything they can to avoid paying you. This is why you need the excellent legal representation offered by Esposito Law Firm 

Call us as soon as possible for more information!

What Happens When An Uninsured Driver Hits You?

Most states require all drivers on the road to have insurance, but that doesn’t stop people from driving without insurance. Regardless of the reason, if you are in an accident with someone that does not have insurance, it can be a big hassle for both parties involved. Don’t worry though, because Esposito Law Firm is here to help you. A lot is going to happen after your accident if the other party is uninsured, but Esposito Law Firm will be by your side through the entire legal process. We have a team of experienced attorneys that can help you get the compensation you deserve.

Florida is a no-fault state, but what does that mean? 

“No-fault” means that in the case of an accident, the insurance companies are held liable rather than the individuals involved. Most no-fault states have heavy regulations preventing lawsuits unless there were severe damages or medical expenses. This helps the victims of the accident receive compensation for damages or injuries quickly if they have comprehensive coverage. However, if one party is uninsured, this can cause problems. 

If the other party is uninsured, your insurance company will still typically be required to cover damages and medical bills if you have full coverage. You’ll need to make sure that you follow all of the normal steps you would follow after a normal accident. Once you’ve called the police and made sure everyone is okay, start gathering information such as the other driver’s address and damages to the vehicles. 

This means you need to make sure that you have a record of these things. Every dent and scratch needs to be documented. Make sure that when you seek medical attention, that you find a trusted doctor that will be thorough. It is also important to see a trusted and experienced mechanic. If you go to an inexperienced mechanic, they may not report/find all of the damage, and leave you to cover it. Anything your doctor and mechanic leave out of their statements will become your responsibility.

An accident with an uninsured driver can seem like an overwhelming experience. The legal obstacles can make it extremely difficult if you choose to not get legal representation. With the right team on your side however, your accident can be resolved very quickly. 

If you find yourself involved in a car accident, call Esposito Law Firm as soon as you can. We can get you the maximum compensation in a fair amount of time. Call us today!

Is Insurance Enough to Cover Car Accident Damages And Expenses?

Car accidents happen every day and can be quite a traumatic experience. While drivers are required to have some form of insurance, insurance can be very confusing for most people. This is further complicated if one party involved in the accident does not have proper insurance. You may not be informed on the different coverages available, or what you are required to have through Florida state law.

Finances can also be a major issue for people after an accident. In many cases, even if the affected party has high-quality insurance, the insurance company will go out of their way to avoid paying them. Here at Esposito Law Firm, we care about people, and we want you to get the most compensation for your damages that you can get. 

It is important to know what kind of insurance you have. There are many different options for insurance and all of them cover different things. For instance, some insurance policies will only pay for part of your damages but not medical bills after an accident. Others may cover medical bills but not damages. Sometimes, policies claim to cover certain things but don’t due to fine print. 

Many insurance companies offer incentives for driving safely. This can help with the financial burden of paying for insurance. You should work with your insurance provider to maximize the benefits of these incentives and lower your monthly rate. These benefits can also help you keep premiums low if you’ve been involved in an accident. 

Esposito Law Firm P.A. has a team of lawyers with years of experience working with insurance companies after auto accidents. We have the knowledge and the people to get you the compensation you deserve. We care about our clients at Esposito Law Firm, and we want to help you get the money you deserve.

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