Personal Injury

Should I talk with the insurance company representative?

No. It is always best to talk with a personal injury attorney before considering this approach. The insurance company is out to do one thing and that is limit the amount of monies paid in a claim. You need to talk with attorney prior to talking to any insurance company, contact our office today to speak with our experienced and aggressive Pensacola personal injury attorneys at (850) 434-8904.

How do I pay for legal assistance?

In Florida, attorneys who handle personal injury claims are usually paid on a contingency basis. This means that you don’t have to pay anything unless we win your case. Our fees will be deducted from your settlement or award. If there is no recovery, our Florida personal injury attorneys don’t get paid. Contact us today to schedule your free case evaluation at (850) 434-8904.

Will I have to go to court?

If the insurance company agrees to pay what we believe your case is worth, and you wish to settle for that amount, then you don’t have to go to court. If the insurance company refuses to pay the acceptable amount, then we have to proceed in court. Our experienced Florida accident lawyers know how much you’re entitled to and we make sure you’re fairly compensated for your injuries and losses.

What is PIP coverage?

Florida’s citizens should know that Florida law once again requires drivers to carry Personal Injury Protection (PIP) insurance effective Jan. 1, 2008. That means all Florida motor vehicle owners and operators will be required to carry PIP in the amount of $10,000 for losses sustained by the insured or covered person as a result of bodily injury, sickness, disease, or death arising out of the ownership, maintenance, or use of a motor vehicle.

By law, PIP coverage pays the following benefits, up to the $10,000 limit:

• 80 percent of reasonable and medically necessary medical expenses
• 60 percent of disability benefits for lost gross income and earning capacity
• 100 percent of replacement services (such as child care, housekeeping, etc.)

I thought No-Fault went away?

No, the insurance requirements under Florida’s Motor Vehicle No-Fault Law did expire on October 1, 2007, but the requirement for all Florida drivers to carry Personal Injury Protection (PIP) coverage was reinstated on January 1, 2008, per Florida law.

What happens if I am injured by an at-fault driver who does not have auto insurance?

PIP will cover medical payments, up to the limits stated above, for you and each passenger in your vehicle regardless of who is at fault. Uninsured or Underinsured Motorist (UM) provisions in your auto insurance may apply to help you recover fully, if you paid for these coverage’s. Talk to our Pensacola personal injury attorney and see if they are available to you at no charge, contact us today (850) 434-8904.

If I have health insurance coverage, do I really need auto insurance coverage as well?

Yes. By law, you must carry a minimum of $10,000 in PIP coverage and $10,000 in property damage liability coverage.

If I am in an accident, will my lost wages be covered?

Partially, PIP will cover up to 60 percent of disability benefits for lost gross income and earning capacity, up to the $10,000 limit.

What does Property Damage Liability cover and under what conditions?

Property Damage Liability coverage, which is also required under Florida law, pays for certain damage (up to the limit of the policy) that you or anyone covered under your policy cause to another person’s property through the use of an automobile. It only covers damage for which you or anyone insured under your policy are legally liable.

Will you take my case?

Not every case of personal injury is one in which suit is appropriate. For your case to be actionable, there must generally be permanent injury. Furthermore, there must be liability on the part of the defendant. At the Farrar Law Firm we will provide a free initial consultation to consider these issues with our experienced and aggressive personal injury attorneys.