Generally, insurance companies take about 30 days to investigate a car accident and issue a claims decision. Since Boca Raton is in a no-fault state, your insurer covers your medical bills, lost income, and other economic damages regardless of how the accident occurred. 

However, when the other driver is at fault, his insurer bears liability for your general damages, such as pain and suffering. The opposing insurance company also renders a claims decision in about 30 days. If the settlement is inadequate, as it often is at this stage, you have four years from the accident date to bring a lawsuit.

Regardless of fault, your insurer must pay your economic damages, including all related medical bills and lost income. Depending on fault, the other insurance company may be liable for general damages, such as emotional distress and pain and suffering in Boca Raton. 

General damages are a multiple of economic damages, with the multiple depending on the impact of the injury. As a result, some claims are worth $10,000 to $15,000, while others command damages in the millions.

Yes. Your insurer must pay your medical bills and lost income regardless of fault in Boca Raton. You can also collect general damages, such as pain and suffering, from the other party’s insurer, though the general damages may be reduced.

In Boca Raton,  your insurer must cover your economic damages, such as property damage, medical bills, and lost wages. However, your insurer bears no liability for general damages, such as pain and suffering. You must collect those damages through uninsured motorist protection coverage or from the other driver directly.

Many forms of evidence come into play in car accident cases. Accident reports, medical records, cellphone video and pictures, dashcam footage, security camera recordings, and witness statements represent common examples.

In some cases, expert witnesses, such as accident reconstruction experts, may be needed. Evidence of the other driver’s fault is key, especially because Boca Raton is in a modified comparative negligence state. According to this standard, your award is reduced when the other side succeeds in pushing part of the blame onto you.

Contact a Rosen Injury Law personal injury specialist  in Boca Raton if you receive a claim denial. We can help you appeal the decision and take the insurance company to court if it continues to stonewall you.