According to a spokesperson for the Miami-Dade Police Department, two women were jogging in Miami Shores before sunrise Thursday morning when they were struck by a vehicle. The accident occurred at the intersection of NE Sixth Avenue and 107th Terrace, near the entrance to Miami Country Day School. According to a spokesperson for the police department, a 27-yearold man was driving south on Northeast Sixth Avenue in a 2015 BMW 328i when he struck the two joggers as they were trying to cross the street. They were not in a crosswalk, police say. One of the women was pronounced dead at the scene of the accident. The other woman was taken to a local hospital in critical condition. The crash is under investigation, and officers say it’s too soon to say whether speed was a factor. No further details have been released.
How To Make An Insurance Claim After An Accident
Typically, if you are involved in a car accident with another driver, you will simply make an insurance claim against their insurance company as a 3rd party claim. In this scenario, you would be the 3rd party to the other motorist and their auto insurance company. If that describes your situation, you can accept the other driver’s auto insurer to process your insurance claim. However, it may take longer than expected to obtain payment. This is because the other driver’s insurance company will likely want to investigate the accident and determine if their insured was really at fault for the accident. The other scenario that is very common is when you choose to make an insurance claim with your own insurance company. It may seem odd to proceed in this manner because after an accident, you may feel that the other driver is responsible and that they should have to pay for the damage that they caused. Despite this, there are many instances when it is a better option to simply make an insurance claim through your own insurance policy after an accident. This is especially true in no-fault insurance states. No-fault auto insurance laws in some states mean that there’s no need to determine who’s at fault in order to receive payment for smaller injury claims. Each party is paid by their own insurer instead of bringing a lawsuit. Personal injury protection is the coverage for these claims. In no-fault states like Florida, it is very common to see injury victims make a claim through their personal injury protection insurance. In Florida, this is done because in order to file a claim against the opposing sides insurance provider, you need to have either serious injuries or death as a result of the accident. Of course, this excludes property damage claims which can still be made against the other party’s liability insurance. Another common situation that they may require that you file a claim with your own insurance company is when you are involved in a crash with an underinsured or uninsured driver. Underinsured or uninsured motorist coverage can cover the expense of medical treatment when the other driver doesn’t have enough insurance coverage available. Another situation in which you may want to file a claim with your own insurance company is when your car is damaged, and the other driver does not have enough insurance coverage. One of the downsides is that your insurance payout will be reduced by your deductible. However, keep in mind that you may get your deductible back if your insurance company goes after reimbursement from the other person’s insurance company.
Contact a Car Accident Attorney Today!
The decision whether to handle a personal injury claim or lawsuit on your own or hire a personal injury lawyer to represent you depends on a variety of factors including how much money is at stake, whether there are technical legal or medical issues on with your whole personal injury claim rests, whether the insurance company brings in a lawyer, and how comfortable you feel speaking on your own behalf in a somewhat formal setting. Overall, if there is potentially a large amount of money at stake and the insurance company maintains that you are entitled to nothing, you probably want to hire a personal injury lawyer. This is especially true if the insurance company claims that you have a violated a driving law, you are primarily at fault for your injury, or disputes your claim that the injury you suffered is serious or permanent. You might also want to consider hiring a personal injury lawyer if you are not comfortable thinking or speaking on your feet or if you feel that you’ll be too emotionally invested in your case to be able to keep a clear head and calm demeanor during the entire process. Whether you simply want to discuss your claim with the personal injury lawyer to get some ideas about how to proceed or you want to hire a lawyer to completely handle your personal injury claim, you don’t just want to hire any lawyer. You want to make sure you hire a lawyer who is experienced in personal injury law and one you will feel comfortable with. We are available 24/7 to give you a free, no risk case consultation!
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