- Who pays for the damage to my car, truck or motorcycle?
- Who pays for my medical bills?
- Can I get my wages paid while I am temporarily disabled from the injury?
- In serious injury or permanent injury cases, am I entitled to be compensated for my pain and suffering?
Immediately after an accident, the property damage is handled by either your own insurance company if you carried collision damage coverage, or the at-fault person's insurance carrier if the carrier is willing to immediately admit liability.
Medical bills are typically paid by your own auto, truck or motorcycle insurance policy to the extent of your own personal injury
protection insurance limits in Florida accident, usually up to $10,000. In Alabama your own medical payments insurance pays up to its limit, typically $5,000. The party at fault in Florida and Alabama can be held liable for anything over and above that, including future medical bills.
Wage loss can be paid under Florida PIP policies at 60% of your pre-injury average weekly wage until your PIP insurance limit is exhausted. Alabama does not have immediate wage benefits payable under your own policy. The party at fault can be held liable for any wage loss not covered by your own carrier, including future lost earnings.
Pain and Suffering
Damages for pain & suffering-including mental anguish and loss of enjoyment of life, past and future, due to serious and permanent injuries-are recoverable in both Florida and Alabama.