Question. What happens if you are injured in an accident and unable to work?
Answer. Your automobile insurance (PIP) will cover you for lost wages (60% of your average rate of pay).

Question. If you are injured in an accident should you see a physician immediately?
Answer. Yes, if you wait too long to see a physician, it may be impossible for a doctor to examine you and determine the symptoms that were present with you that day were a result of an accident that occurred weeks or months ago. Your automobile insurance may not pay our claim.

Question.  If injured in an accident due to someone else's negligence, do I need representation by an attorney?
Answer. Yes, you need an expert to protect your rights for the following:
1. Receive all medical attention you need with no out of pocket cost.
2. Make sure your property damage is repaired using factory guaranteed parts, or if your vehicle is totaled it gets replaced at Fair Market Value.
3. Compensation for pain and suffering if there is any permanancy to your injury.

Question.  If injured in an accident, should I go see my family doctor?
Answer. No, you need to see an injury specialist that can properly diagnosis and treat your injuries, like the physicians at SHCC.

Question.  Should I try to settle my claim with the other insurance company myself without an attorney?
Answer. No, A personal injury attorney is experienced with dealing with adjusters and insurance attorneys. They usually can settle your case faster and for as much as ten times more than you could by yourself.

Question.  If I am at fault in an accident, will my automobile insurance (PIP) cover my medical claims?
Answer. Yes, Florida is a no-fault state. Regardless of who is at fault in an accident, your Auto Insurance will cover you for the medical claims up to $10,000.

Question.   Will my insurance premium go up if I am not at fault and go to a Doctor?
Answer. No, use of your PIP benefits does not affect your insurance rates.