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What Will My No-Fault Insurance Cover?

A car accident can be devastating, especially when you’ve been seriously injured. Unfortunately, your injuries may be long-term losses—and costly ones, too. You may have a no-fault insurance policy, but what does that really cover? 

If you’re not sure where to start on a no-fault insurance claim, reach out for the lawyers at Anderson & Anderson. We know Florida insurance policies can be confusing, and we understand how difficult it is to get fair compensation after an accident. Luckily, your lawyer can simplify the process and help you get the maximum insurance settlement you deserve. 

How No-Fault Insurance Covers Your Economic Losses 

When you’re hurt in a Florida car accident, your required no-fault insurance should cover the costs of your personal injuries. For example, you may have suffered a head injury, or maybe you need surgery for a broken arm you suffered in the crash. Your no-fault insurance is here to cover those losses. 

You may also be eligible for coverage of a portion of your lost wages. In some cases, you may be unable to work after an accident, but you still need your income to cover your rent, groceries, and similar expenses. If your injuries were related to the accident, you may be eligible for coverage for these days or weeks you’re unable to work. 

What Florida No-Fault Insurance Doesn’t Cover 

No-fault insurance doesn’t cover everything. Your personal injury protection (PIP) insurance is there to cover the costs of a personal injury. That means your no-fault insurance may not cover the costs of your car repairs. 

Luckily, your insurance policy may include property damage liability coverage, which covers the costs of car repairs. If both parties are covered, that can help you avoid time in court seeking compensation from the at-fault party. 

What If My Insurance Company Refuses to Pay? 

Of course, it’s not always easy to get compensated fairly. Your insurance policy may not cover the total costs of your injuries and expenses, especially if your injuries are severe. In other cases, your insurance company may be acting in bad faith, intentionally avoiding paying you for the suffering you experienced. 

In these cases, you may need help from an auto accident lawyer. Getting compensated isn’t easy, especially when you’re hurt and suffering. Your attorney can step in, mediating between you and the insurance company. If the insurance company continues to wrongfully deny your claim, your lawyer can help fight for what you deserve in court. 

Speak with a Lawyer After a Collision 

When you’re hurt in a car accident, you need your insurance policy to cover your medical bills, lost wages, and other damages. If you’re struggling to get the compensation you’re owed, contact the lawyers at Anderson & Anderson. We have the tools and resources you need to make your claim a success. 

When you don’t have the tools to get a fair insurance settlement, talk to a lawyer. To claim your free consultation, reach out by calling 813-251-0072 or by filling out the online contact form below.