Have you been in an accident? Find out your rights from an experienced Tampa Personal Injury Attorney


Attorneys at the Rinaldo Law Group are available to answer any questions you may have concerning insurance coverages.




[TOP]HOW MUCH IS MY CASE WORTH?

  • This is a good question, but one that cannot easily be answered by using a simple formula or online questionnaire.
  • Many factors go into the evaluation of a case: liability or fault, injuries and damages, available insurance coverage and assets.
  • If you would like more information about potential recovery or the statutory deadline on filing, we invite you to contact us for a free consultation.
     



[TOP]WHAT DO I DO IN CASE OF AN ACCIDENT?

  • Always report an accident to the police, regardless of how minor it seems. What looks like a small dent or scratch could actually cost several hundred dollars in repairs.
  • Make sure the police officer gives you a copy of the driver Exchange of Information Form.
  • Write down names, addresses and phone numbers of any witnesses in case you need to contact them later.
  • If you have a camera or a cell phone with a camera feature, take photographs of the property damage sustained to the vehicles involved in the accident. Photographs of other property damages such as poles, fences etc. and skid marks are helpful. Also, take photographs of any cuts scrapes or bruises you or your passengers may have sustained.
  • IMPORTANT: Contact a personal injury attorney who will explain your rights and obligations.



[TOP]WHAT TYPES OF AUTOMOBILE INSURANCE COVERAGE SHOULD I HAVE?

  • By law, if you own an operable motor vehicle, you are required to carry Personal Injury Protection (PIP) coverage and property damage coverage (PD).
  • PIP provides $10,000.00 in benefits for you and resident relatives for accident related medical treatment and wages. The medical treatment is paid at 80% and the wages are paid at a rate of 60%.
  • PD pays for the property damage caused by you to the other person’s vehicle.
  • There is no legal requirement to carry bodily injury (BI) coverage. This type of coverage compensates victims for damages not paid by PIP including uncovered past and future medical bills and pain and suffering.



[TOP]WHAT DO I DO IF THE AT FAULT PARTY DOES NOT HAVE INSURANCE THAT COVERS MY DAMAGES?

  • Include uninsured/underinsured motorist coverage in your policy. In this way you are protecting yourself from other peoples’ negligence.
  • It is also wise to stack your coverage.