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Miami Car Accident Lawyer Serving Florida Accident Victims

Insurance Claims and Personal Injury Cases

miami car accident lawyer Drawing from extensive experience in managing car accidents and insurance claims, Jonathan Perazzo understands the common involvement of insurance companies in various personal injury cases, spanning from car accidents to incidents like dog bites. These companies typically bear the responsibility of compensating the injured party. While one might expect insurance providers to handle personal injury claims honestly and fairly, this is not always the case. It is crucial for motorists to be aware of their insurance policy's type and coverage, understanding how it offers financial protection in the event of an accident, irrespective of fault. To familiarize Florida motorists in Miami with the diverse insurance policies available, the Perazzo Law Firm provides information on the ten types of policies for vehicle owners (refer to Insurance Policies).

While some insurance adjusters may fairly assess the claims they handle, others may engage in bad faith practices, such as slowing down or rejecting claims—actions deemed illegal. Additionally, insurance companies may resort to offering low settlement proposals to exploit victims. Motor vehicle owners and operators should be well-informed about the specifics of their insurance policy, comprehending how it safeguards them in situations involving bodily injury, property damage, losses, or wrongful death.

An Experienced Miami Insurance Claim Attorney Can Help

Recognizing the intricacies of insurance claims and the potential for mistreatment, the Perazzo Law Firm advises involving a qualified attorney to navigate an insurance claim. A Personal Injury Lawyer can adeptly handle negotiations with the insurance company, managing all communication and correspondence to prevent any violation of your rights. A Perazzo Law Firm attorney possesses the expertise to accurately assess the worth of your accident claim and exert appropriate pressure on the insurance company for a just settlement. In cases where the insurance provider acts in bad faith, your lawyer can take the matter to civil court, seeking the full value of your claim along with damages.

Car accident victims may sustain various injuries due to a collision with another vehicle. Different car accident scenarios have distinct effects on the involved drivers or passengers. Following a collision, airbags deploy, potentially contributing to the injuries sustained (refer to AIRBAG INJURIES).

Consequences After a Car Accident:

Car accidents can lead to a myriad of consequences, their severity contingent on factors such as vehicle speed, collision type, safety features, and the overall health of the individuals involved. Here is a comprehensive list of potential consequences after a car accident:

  • Personal Injuries:
  • Minor Injuries: Bruises, cuts, and minor sprains.
  • Moderate Injuries: Fractures, concussions, and more severe sprains.
  • Severe Injuries: Traumatic brain injuries, spinal cord injuries, and other life-threatening injuries.
  • Emotional and Psychological Impact: Post-traumatic stress disorder (PTSD).
  • Anxiety and depression. Fear of driving or being in a vehicle.
  • Property Damage: Damage to vehicles.
  • Damage to personal property inside the vehicles.
  • Financial Consequences: Repair or replacement costs for damaged vehicles. Medical expenses for injuries. Legal expenses if legal action is taken.
  • Impact on Employment: Time off work for recovery. Long-term disability affecting work capacity.
  • Legal Consequences: Traffic tickets or citations. Insurance claims and potential increases in premiums. Lawsuits and legal liabilities.
  • Impact on Relationships: Strain on relationships with family and friends. Dependency on others for support during recovery.
  • Loss of Life: Fatalities. Grief and loss for the families and communities involved.
  • Changes in Lifestyle: Restricted mobility. Adaptations to daily activities.
  • Insurance Complications: Delays or disputes in claims processing. Possible cancellation or non-renewal of insurance policies.
  • Future Health Complications: Chronic pain. Long-term disabilities. Increased susceptibility to certain health conditions.
  • Impact on Driving Record: Points on driving record. Potential loss of driving privileges.
  • Community and Emergency Response: Traffic disruptions and delays. Emergency services response and potential strain on resources.

It's crucial to note that the specific consequences can vary widely depending on the circumstances of the accident. Seeking medical attention, reporting the accident to the police, and consulting with legal and insurance professionals are crucial steps in addressing the aftermath of a car accident.

Florida Car Accident Stats:

Car crashes and accidents in Miami are common. According to the FDOT, in 2017, there were 20.56 million registered motor vehicles in the state of Florida and 16.75 million licensed drivers. These figures make for a whopping number of incidents involving Florida motorists in Miami. The Perazzo Law Firm knows that driving is never 100% safe despite the safety regulations and law enforcement efforts to prevent car accidents in Miami. The Perazzo Law Miami car accident lawyers serve to protect the rights of those that suffer injuries or losses from a car accident in Miami-Dade and Broward Counties.

Some of the more common car accidents include:
  • Rear-end Collisions: These collisions usually result in head, back, and neck injuries. They can be temporary or permanent. Broken bones are permanent injuries. Jonathan Perazzo highly recommends seeking professional and thorough medical care following a car accident that involves a rear-end collision.
  • Head-on Collisions: These collisions can be devastating depending on the speed and may lead to facial, head, neck, and shoulder injuries. Jonathan Perazzo reminds car accident victims that facial injuries can lead to scars, which are considered permanent injuries if cuts resulting from a head-on or any type of car crash are severe. Permanent injuries can negatively effect the quality of life for certain individuals.
  • Side Collision: Though not as severe, depending on the speed, accidents involving side impact can affect the lower back and lower limbs. A broken hip or broken leg is often quite common after a collision that takes place from the side.
  • Parked car accidents: Sometimes drivers are parked and get run into. They can result in injury depending on the speed.
  • High Speed Highway Accidents: High speed accidents usually happen on highways or at night. They usually end in severe bodily injury and property damage to the victim's vehicle.
  • Drunk Driving Accidents: Drunk drivers are at very high risk of being involved in car accidents and the injuries and damage depend highly on the speed and road conditions. Highway drunk driving accidents can be fatal and involve a number of cars.
  • Self-Deploying Airbag: A defective airbag that self deploys can cause the victim of the self-deploying airbag to lose control and crash, thus he may not only cause property damage, but also suffer facial and bodily harm. When an airbag self deploys, you need the best possible car accident and personal injury lawyer.
  • Street Racing Accidents: Street racing during the coronavirus pandemic shutdown has turned the Miami Interstates into drag strips, with many sport car owners taking to some fast revving COVID-19 fun. Following a street racing accident, severe bodily harm or property damages may ensue. The driver or individuals at fault will probably held legally liable and dealing with his/her insurance carry may require the assistance of an experienced car accident lawyer.
Legal Considerations after an Accident:

Legal consequences following a car accident can vary based on factors such as the severity of the incident, local laws, and the actions of those involved. Additionally, there may be limitations to filing an insurance claim, depending on the terms of the insurance policy and the circumstances of the accident. Here's a list of possible legal consequences and limitations:

  • Traffic Violations: Issuance of traffic tickets for violations such as speeding, running a red light, or reckless driving.
  • Criminal Charges: In cases of severe negligence or illegal activities (e.g., driving under the influence), criminal charges may be filed.
  • Civil Liability: Lawsuits for personal injury or property damage may be brought against the at-fault party.
  • Insurance Liability: The at-fault driver's insurance may be responsible for covering damages, but disputes and legal actions can arise.
  • Negligence Claims: Claims of negligence may be pursued if one party failed to exercise reasonable care, leading to the accident.
  • Loss of License: Serious violations or multiple offenses could lead to the suspension or revocation of a driver's license.
  • Criminal Record: Criminal convictions resulting from the accident can have long-term consequences on one's record.
  • Court Appearance: In cases of legal disputes or criminal charges, individuals may be required to appear in court.
  • Limitations to Filing an Insurance Claim:
  • Policy Exclusions: Certain events or types of damage may be excluded from coverage, depending on the terms of the insurance policy.
  • Lack of Coverage: If a driver involved in the accident does not have insurance or is underinsured, it can limit the ability to recover damages.
  • Failure to Report Promptly: Delays in reporting the accident to the insurance company may result in limitations on coverage.
  • Policy Limits: Insurance policies have limits on the amount they will pay for certain types of damages. If the damages exceed these limits, individuals may be responsible for the excess.
What to Do at the Scene of a Car Accident in Miami: Expanding on Key Points After a Car Accident

Pull Over and Render Assistance:

Safety First: Move vehicles out of the flow of traffic to prevent further accidents. Turn on hazard lights and use warning triangles if available.

Assess Injuries: Check for injuries and provide first aid if you have the knowledge and resources. Call for emergency medical assistance if needed.

Call The Police: Call the police as soon as possible, even for seemingly minor accidents. A police report provides an official record of the incident.

Cooperate with Authorities: Provide accurate and detailed information to the responding officers. This information may be crucial in determining fault.

Exchange Information: Exchange names, addresses, phone numbers, and insurance information with the other party involved.

Witness Details: Obtain contact information from any witnesses who may have observed the accident.

Just Give the Facts
  • Avoid Admitting Fault: Refrain from admitting fault or making statements that could be used against you later. Stick to describing the facts as you observed them.
  • Take Pictures:
  • Photographic Evidence: Use your smartphone or camera to take pictures of the accident scene, vehicle damage, road conditions, and any visible injuries.
  • Capture License Plates: Document the license plates of all vehicles involved.
  • Talk to a Car Accident Lawyer: Contact a car accident lawyer to understand your rights, especially if there are injuries or disputes over fault.
  • Preserve Evidence: A lawyer can guide you on preserving evidence and navigating the legal process.
What to Have with You Prior to Operating a Motor Vehicle:

Driver’s License: Always carry a valid license. Carrying a valid driver's license is not just a legal requirement but also a fundamental aspect of responsible and safe driving. Your driver's license serves as official identification, confirming that you have met the necessary requirements to operate a vehicle. In the event of an accident, having your driver's license readily available streamlines interactions with law enforcement and ensures you can fulfill legal obligations promptly. It not only establishes your identity but also signifies that you are authorized to operate a motor vehicle, helping to avoid potential legal complications. Driving without a valid license is illegal. Always have your driver's license with you while operating a motor vehicle. In addition to being a legal requirement, your driver's license serves as a primary form of identification.

Additional Tips for Safety and Preparedness:
  • Proof of Insurance: Keep insurance information readily accessible. Proof of insurance is a vital document that demonstrates financial responsibility in the unfortunate event of a car accident. Keeping your insurance information easily accessible ensures that you can promptly provide this crucial documentation to law enforcement, other involved parties, or insurance representatives at the scene. This helps expedite the claims process and establishes your compliance with legal requirements. Additionally, quick access to proof of insurance facilitates efficient communication with other parties involved, contributing to a smoother resolution of the post-accident proceedings.
  • Emergency Tools: Have tools like a first aid kit and flashlight in your car. Being prepared for unforeseen emergencies is a key aspect of responsible driving. Having emergency tools such as a first aid kit and flashlight in your car can be invaluable in various situations. In the aftermath of an accident, a first aid kit can provide immediate assistance for minor injuries until professional medical help arrives. A flashlight becomes crucial, especially in low-light conditions or during nighttime accidents, aiding visibility and safety. These tools not only contribute to your well-being but also allow you to assist others involved in the accident, fostering a sense of community and care during challenging times.
  • Phone for Pictures: Use your phone to capture crucial evidence. In the age of technology, a smartphone can be a powerful tool in the aftermath of a car accident. Using your phone to capture pictures serves as a visual record of the accident scene, vehicle damage, and any injuries sustained. These images can serve as crucial evidence when dealing with insurance claims, legal proceedings, or disputes about the sequence of events. Photographs can help establish the extent of damage, contributing to a fair assessment of compensation. Additionally, they provide a documented account of the accident, which can be crucial in situations where memories may fade or details become blurred over time.
  • Stay Informed About Insurance Coverage: It’s also vital to stay current on your insurance coverage and carry Uninsured/Underinsured Motorist (UM/UIM) coverage in case an uninsured driver hits you. In the aftermath of a car accident, Uninsured Motorist Coverage (UM) and Underinsured Motorist Coverage (UIM) play a crucial role in protecting you from financial burdens caused by uninsured or underinsured drivers.
  • Determining the Value of Your Case:The compensation for your Miami car accident case hinges on several factors, encompassing the extent of injuries, property damage, medical expenses, lost wages, and pain and suffering. A consultation with a Miami car accident attorney is essential to evaluate your case's potential value based on these factors.
  • Shared Fault Scenarios:In cases where you share some blame for the accident, Florida's comparative negligence system adjusts compensation according to each party's degree of fault. Despite shared blame, pursuing a claim is possible, and consulting with an attorney is crucial to navigate the complexities of such scenarios.
  • Time Limits for Filing a Claim:In Miami, the statute of limitations for filing a car accident claim is typically four years from the accident date. Acting promptly is vital to preserve evidence and strengthen your case, as delaying may jeopardize your ability to seek compensation.
The 14-Day Rule:

Florida's 14-Day Rule mandates seeking medical attention within two weeks of a car accident to qualify for Personal Injury Protection (PIP) benefits. Failing to do so may limit access to some PIP benefits. It's important to adhere to this rule to maximize insurance coverage, dispelling the misconception that filing a claim is barred after 14 days.

Navigating Legal Complexities:

Navigating the legal aspects of Miami car accident claims is intricate. Seeking guidance from an experienced Miami car accident lawyer can provide clarity on various questions and assist in pursuing the compensation you deserve.

Benefits of Hiring a Car Accident Lawyer:

Hiring a car accident lawyer offers numerous benefits, including legal expertise, thorough investigation, negotiation with insurance companies, representation in court, and the maximization of compensation. The Perazzo Law Firm's attorneys, working on a contingency fee basis, provide accessible legal representation, reducing stress and focusing on clients' recovery.

Florida's Dangerous Status for Motorists:

Florida has gained the unfortunate distinction of being the most dangerous state for motorists in the U.S. The ranking is substantiated by alarming statistics, with 62,536 traffic accidents and 3,451 fatalities in 2021. Various factors contribute, including population density, diverse weather, a high number of tourists, and the prevalence of motorcyclists.

Dangerous Intersections and Roadways:

Florida's dangerous roadways include major interstates like I-95 and I-75, urban centers like Miami and Orlando, busy commuter routes like the Florida Turnpike, tourist-heavy areas like International Drive and Collins Avenue, and residential roads such as Palmetto Expressway and US-19. Construction zones and busy intersections also pose safety concerns.

Common Car Accident Injuries:

Car accidents can result in a range of injuries, with facial injuries, whiplash, and head injuries being prevalent. Airbag deployment can lead to facial trauma, while whiplash occurs in rapid neck movements. Head injuries, including traumatic brain injuries (TBIs) and concussions, are common due to the impact of accidents.

It's crucial to recognize that the popularity and traffic flow on roads may undergo changes over time due to urban development, alterations in business activities, and advancements in transportation infrastructure. Furthermore, road conditions and traffic congestion can fluctuate depending on the time of day and ongoing events in the area.

For the latest and most accurate information regarding the busiest roadways, avenues, and intersections in Miami, it is advisable to consult local traffic authorities, municipal sources, or utilize online navigation tools for real-time traffic updates and insights.

IF YOU HAVE SUSTAINED INJURIES OR BEEN INVOLVED IN AN ACCIDENT IN MIAMI, REACH OUT TO THE PERAZZO LAW FIRM IMMEDIATELY FOR A COMPLIMENTARY INITIAL CONSULTATION AND INCUR ZERO OUT-OF-POCKET FEES.

Understanding UM (Unisured Motorist Coverage) – The Most Valuable Coverage You Can Carry

Uninsured/Underinsured Motorist Coverage: If a driver lacks insurance or has insufficient coverage, the ability to file a claim may be limited unless the injured party has uninsured/underinsured motorist coverage.

Key Benefits of UM:

  • Financial Protection: Shields you from the financial impact of accidents with drivers lacking insurance coverage.
  • Peace of Mind: Ensures peace of mind by providing coverage for medical expenses, property damage, lost wages, and pain and suffering.
  • Broad Coverage: Extends protection to you, passengers, and, in some cases, family members residing with you.
  • Hit-and-Run Incidents: Covers damages in hit-and-run accidents where the at-fault driver cannot be identified.

IF YOU HAVE SUSTAINED INJURIES OR BEEN INVOLVED IN AN ACCIDENT IN MIAMI, REACH OUT TO THE PERAZZO LAW FIRM IMMEDIATELY FOR A COMPLIMENTARY INITIAL CONSULTATION AND INCUR ZERO OUT-OF-POCKET FEES.

See Also:
Client Reviews
★★★★★
Mr. Perazzo and his legal team are by far the best thing that could have happened to me after my accident. I felt devastated after being injured and Jonathan Perazzo brought a sense of relief to my woes. The expert legal advice and support I received from the Perazzo Law staff helped me to get on with my life as they handled all the legal matters. I am 100% satisfied. Thank you so much Jonathan and the Perazzo Law team! Henry R.
★★★★★
I am very happy! My accident made me very sad. Jonathan Perazzo helped me so much. He is the Best! During the whole time, I felt that Jonathan (JP) is my friend and not only my lawyer. I don't want to have another accident, but if I do, I want JP and his firm to take care of everything again. Thank you very much to all the team! Antonio P.
★★★★★
Jonathan Perazzo is an excellent lawyer and his team works in a such a professional way. Also, they helped me understand things about my case that I didn't understand. I am very happy with Perazzo Law and the results they got for me. There is nothing bad I can say about Perazzo Law. Jorge L.