Thursday, January 3, 2008

Missed Work

Often times you may miss work due to an auto accident. Be sure to be able to provide the name of your employer, your job title, pay rate, and the amount of time that you have missed from work. If you’re out for some time, you may need to obtain a 13-week wage statement from your employer to prove you wage so that you can collect lost wages. Keep a detailed time line of the exact number and dates that of work that you missed. If there were other people in your vehicle that were also injured during the accident, they too may need representation from your lawyer as such it is important to make sure you have them keep detailed information as well. After the auto accident, it will be your immediate concern to figure out who is going to pay medical bills. It is the responsibility of your insurance carrier that insures your motor vehicle to pay for the first $10,000 of your medical coverage minus and deductible you might have. Additional coverage can also be acquired through a process known as Med Pay. These monies are paid until they are completely exhausted.

After this process your individual health care coverage becomes the primary insurance carrier and will cover whatever medical care’s you may need. However, you health care coverage will have a lien against any money that might be acquired from any personal injury action against the at-fault driver. Information that you will want to have for your attorney will be your health insurance company and also the policy number so that your attorney can get the necessary information to begin to build your case. It is important to keep in mind that in Florida a doctor must determine that you have permanent injury in order to recover from the Florida Automobile Act against the any other party.

If you happen to known anyone involved in an automobile accident, make sure to ask them how their insurance company handled their claim throughout their medical needs. This will help to give you a good idea of how an insurance company might treat you if you happen to be in an injury related Florida auto accident. Often times people take things for granted that an insurance company will live up to their word and do the things they expect them to do. Unfortunately all too often this is not the case, and even though many insurance companies stand up to their reputable name, other do not. It is important to know your rights and the rights of your loved ones.

No comments: