Sources of Compensation in a Car Accident Case

Following a car accident, there are a few places to look for insurance coverage: your own  insurance, the at-fault party’s insurance, and any other person, company or entity that  contributed in any way to the accident or your injuries. In this blog post, we will discuss  the options available to car accident injury victims looking to recover compensation for  their injuries. 

Your Own Insurance Provider: Your own car may provide certain insurance, which  applies after an accident. This includes personal injury protection benefits, collision  coverage, medical payment coverage, death benefits, and uninsured/underinsured  motorist coverage. Other cars in your household may also provide additional uninsured  or underinsured motorist coverage. Your health insurance may also apply to cover some  or all your medical expenses. If you were working at the time of the accident, worker’s compensation may apply. Disability policies may also provide additional benefits. Your  own car insurance policy has several insurance provisions that may apply following a car  accident. These may include personal injury protection benefits, collision coverage, medical payments, uninsured / underinsured motorist coverage, excess / umbrella  uninsured / underinsured motorist coverage, rental reimbursement, and a death benefit. 

The Other Driver’s Insurance Provider: When looking for coverage from someone who  causes an accident, also known as the at-fault person, there are several insurance  provisions that may apply. These most often include bodily injury/liability, property  damage, and excess or umbrella coverage. The vehicle owner in Florida, and many other  states, is considered primary for bodily injury and property damage coverage. Even  though the owner may have had nothing to do with the actual accident, they may still be  responsible for all damage and injury caused by their car. The at-fault party may provide bodily injury coverage and liability coverage. If the owner of that vehicle was different from  the driver, there may be an additional policy of insurance through the driver directly. In  addition, if the at-fault driver was within the course and scope of his or her employment  at the time of the accident, or if the vehicle was owned by a company, that employer or  company may also provide additional bodily injury/liability coverage or property damage  coverage. 

Other Avenues of Recovery: There are other possible avenues of recovery an injury  victim may pursue. Some include claims against car manufacturers for product defects or  crashworthiness issues, claims against body shops or repair companies, and claims  through the crime compensation trust fund. After a car accident, there may be several  other avenues to look for insurance coverage or assets, aside from your own insurance  and the insurance policies of the at-fault driver and / or owner. These include dram shop  liability coverage in the case of a drunk driving crash, crime victim compensation,  restitution, homeowner negligence, product liability claims, and repair shop negligence. 

Speak with a Miami Car Accident Lawyer Today!  

At Suarez & Montero, our team of car accident attorneys in Miami will work with you every  step of the way, offering the expert legal guidance you need to win your lawsuit. If you  have been injured in a motor vehicle accident, you have the right to file a personal injury  lawsuit against any responsible parties. Depending on the situation, the driver, owner, or  manufacturer could be liable. Our legal team of Miami car accident lawyers have decades  of experience handling car accident cases. With an extensive understanding of the laws  involved, we can make sure you’re fully compensated for any medical bills, pain and  suffering and other damages you may have experienced. Unlike other firms that handle  cases in other areas of law in addition to their personal injury section, our firm is 100%  dedicated to helping victims in personal injury cases and has been doing so for over 20  years. If you or someone you love has been involved in an accident, contact us today for  a free consultation. 

We serve clients throughout Florida including those in the following areas: 

Miami- Dade: Aventura, Coral Gables, Doral, Fontainebleau, Hialeah, Homestead,  Kendall, Miami, Miami Beach, Miami Lakes, North Miami, Tamiami, and Westchester.  

Broward: Fort Lauderdale, Hallandale Beach, Hollywood, Pembroke Pines, and Weston;  and Palm Beach County including Boca Raton, Lake Worth, and West Palm Beach. 

Jaime Suarez

An experienced legal personal injury defense professional in Miami, who is dedicated to helping accident victims with personal injury cases involving automobile accidents, brain and spinal cord injuries, slip and fall accidents, prescription errors, wrongful death, and accidents at work.