What Happens If No One Was At-Fault After My Clearwater Car Accident?

November 23, 2023 | Winters & Yonker Personal Injury Lawyers | Car Accident

Car accidents are stressful. After an accident, your mind may jump to determining fault and seeking compensation for damages or injuries. But what happens when there is a no-fault car accident in Clearwater, Florida? It may seem rare, but it is more common than you think.

An experienced car accident lawyer can help you after a no-fault car accident in Clearwater.

No-Fault Insurance in Clearwater, FL

Florida is one of several states with a no-fault insurance system. This means that after most car accidents, an injured person’s insurance company will pay for certain losses. This is true regardless of who was at fault for the crash or if no one was at fault. Under Florida law, drivers must carry Personal Injury Protection (PIP) coverage as part of their auto insurance for this reason.

PIP Insurance and Its Implications in Clearwater, FL

PIP will cover certain expenses after a car accident. These include medical expenses, a portion of lost wages, and death benefits. PIP will pay these expenses even for a no-fault car accident. This allows you to still have a path to compensation.

Florida drivers are required to have $10,000 in PIP coverage and Property Damage Liability (PDL). These amounts can quickly be exhausted if you sustain serious injuries. While PIP is the exclusive remedy for many car accidents, serious injuries may allow you to recover by filing a lawsuit.

What to Do After a No-Fault Car Accident in Clearwater, FL?

If you find yourself involved in a no-fault car accident in Clearwater, Florida, you should consider doing the following steps:

Seek Medical Attention: Your health is most important. Even if you do not feel injured, some injuries and symptoms take weeks or months to appear. See a professional for a post-accident examination.
Report the Accident: Florida law requires you to report any crash involving significant property damage, injury or death. Your auto insurance policy may also require prompt reporting of an accident. Accident reports are important documentation that can support your claim.
Document Everything: Maintain documentation after your accident. Take pictures at the scene, collect witnesses’ contact information, and keep records of medical treatments and expenses. These will be used to substantiate your version of events. They will also help you prove your damages.
File a PIP Claim: Notify your insurance company of the accident when you are ready to recover medical bills or lost wages under your PIP coverage.

Keep these tips in mind to protect your rights after an accident. A Clearwater car accident lawyer is always able to help.

What if PIP Is Not Enough in Clearwater, FL?

The no-fault system may not fully compensate you after some accidents. This may occur if your injuries are severe and involve significant treatment or if there is a permanent injury, scarring, or disfigurement. Florida law allows you to step outside the no-fault system and file a personal claim against the other driver in these cases.

Doing so can have challenges, particularly when you believe no one is responsible for your accident. A seasoned car accident lawyer can review your case and help you determine if that is indeed the case. They can also help you navigate the PIP claim process to ensure you receive the benefits you are entitled to for medical expenses and lost wages.

Consult a Car Accident Lawyer in Clearwater, FL

A no-fault car accident in Clearwater, Florida, does not leave you without recourse. You are entitled to certain benefits regardless of who was to blame for the accident. However, Florida’s no-fault system does not cover everything, especially in serious injury cases. It is important to consult with a personal injury attorney who can guide you through the complexities of your case.

Contact a Tampa Car Accident Lawyer from Winters & Yonker Personal Injury Lawyers for Help Today

For more information, please contact Winters & Yonker Personal Injury Lawyers to schedule a free consultation with a personal injury lawyer in Tampa today. We have five convenient locations in Florida, including Tampa, Clearwater, St. Petersburg, New Port Richey, and Lakeland.

We proudly serve Hillsborough County, Pinellas County, Pasco County, Polk County, and its surrounding areas:

Winters & Yonker Personal Injury Lawyers – Tampa Office
601 W Swann Ave, Tampa, FL 33606
(866) 696-9618

Winters & Yonker Personal Injury Lawyers – Clearwater Office
600 Bypass Dr Suite 224-D, Clearwater, FL 33764
(727) 493-4418

Winters & Yonker Personal Injury Lawyers – St. Petersburg Office
111 2nd Ave NE Suite 350, St. Petersburg, FL 33701
(727) 314-5988

Winters & Yonker Personal Injury Lawyers – New Port Richey Office
5006 Trouble Creek Rd Unit #200, Port Richey, FL 34652
(727) 910-5060

Winters & Yonker Personal Injury Lawyers – Lakeland Office
1543 Lakeland Hills Blvd Suite 18, Lakeland, FL 33805
(863) 251-6196