By Osborne & Francis
July 22, 2022

Insurance & Accident Cases Go Together Says Boca Car Accident Lawyer Joe Osborne

Auto insurance pays for the harm done by an accident, including damage to a car or injuries to the people involved says Boca car accident lawyer Joe Osborne.

If you’re injured in a car accident and file a lawsuit though the defendant is the other driver, it’s actually an insurance company who’s paying for the defense attorney and it would pay a settlement or court award. Personal injury law and insurance law are two sides of the same coin. In most of our cases the defendant has at least one insurance policy covering the accident.

Auto insurance covers the harm done in an accident. That harm can be to vehicles and property and also the harm done to people by injuries.

  • Collision coverage is for damage to your vehicle if you are at fault in an accident. This can be caused by hitting another vehicle or an object.
  • Property damage liability coverage pays for physical damage caused by at fault drivers to other vehicles and property due to accidents.
  • Comprehensive coverage is to pay you in case of theft or damage to an insured’s vehicles that happen because of something other than a vehicle accident.
  • Insurance coverage to pay for injuries caused by an accident varies from state to state. Florida has a no-fault insurance system so crash injury costs are paid under the injured person’s first party personal injury protection coverage (PIP) no matter who’s at fault. There are limits in the policy based an amount of money or injury severity. Costs that go over the limits could be covered by an at fault driver's bodily injury liability coverage.

Personal injury protection (PIP) coverage pays up to a set amount for injuries no matter who caused an accident. The minimum amount varies from state to state (Florida’s minimum is $10,000). That amount needs to be exceeded before someone who’s injured can sue an at fault party for additional costs.

  1. PIP coverage pays 80% of all reasonable and medically necessary medical treatment and services, 60% of lost wages and funeral expenses, subject to certain defenses and exceptions.
  2. Florida vehicle owners should purchase more PIP coverage, known as “extended PIP,” when possible. Unless injuries are relatively minor it’s very easy for medical costs of treatment of an accident injury plus lost wages to be more than $10,000.
  3. If you’re in a single vehicle accident, involved in a hit and run and the other driver isn’t found or he or she lacks insurance, if you just have the minimum PIP coverage $10,000 is all you will get from your insurer to cover your medical expenses and lost wages. It’s wise to pay for as much PIP coverage as you can afford.

If you or a loved one have been injured in a car accident, contact Boca car accident lawyer Joe Osborne at (561) 293-2600 or fill out this online contact form. You can discuss your case, how the law may apply and your best legal options to protect your rights and obtain compensation for your injuries.

Alfred

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Quick and fair resolution to a unique case. On advice of my own attorney, I engaged Joseph Osborne of Osborne & Francis of Boca Raton, FL. Mr. Osborne had considerable experience in cases such as mine and the results showed that. Mr. Osborne and his staff were very helpful, kept me up to date, and listened to my input. The settlement was very fair as far as I am concerned.

Erica F.

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"Best personal injury attorney around, I could not be happier! I was seriously injured in a car accident and Osborne and Francis helped me through the entire process. I was blown away by how knowledgeable the staff and attorneys are at this incredible law firm. I would not hesitate to recommend this law firm to friends and family!"

J. Davis

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“I couldn’t have asked for a better lawyer/ firm — everything was done professionally exactly how I wanted. Due to COVID my personal attorney Mr. Garcia was still able to make things work in a timely manner and he never made me feel like he wasn’t working. Overall I’m happy with how my case turned out and I would recommend him and this law firm to anyone. 100% satisfied.”

C. Smith

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“I am so thankful for EVERYONE, the entire staff at Osborne & Francis Law, for mentoring me through the mediation process with my hip replacement failures. I didn't realize how MUCH pressure they relieved me of by helping me deal with the reality of this traumatic time in my life, as it was OVER so quickly with a positive result. My family is grateful to have their mom HAPPY & FOCUSED on the future, rather than worrying over what happened in the past! FAST FORWARD, we are LIVING LIFE to the fullest once again!”

T. Andrews

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“Attorneys Greg Francis and Ryan Fletcher at Osborne & Francis Law Firm represented me in my personal injury case.The defendant drew a line in the sand and was adamant on a settlement amount I was almost willing to accept. After the dust settled and the smoke cleared, we settled for 3 times that amount!!! When they say ‘Real Tough Lawyers,’ they mean it.”

E. Holland

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Dennis and the other Osborne & Francis staff were amazing! Our case was HUGE and required tender loving care. Everyone on our case did their part by putting all the puzzle pieces together. We were given step by step updates and put at ease when our nerves got the best of us. For every inquiry we made we received a timely response...You are appreciated!

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