What You Need to Know About Placing Fault in a T-Bone Accident in Florida
Car accidents are particularly stressful when damages occur and compensation is sought. Here’s everything you need to know about finding who is at fault for a t-bone accident in Florida.
Florida is a no-fault state meaning that drivers are required to seek compensation through their own insurance companies after an accident. However, there are ways to seek compensation from a third party following a car accident.
What is a T-Bone Accident?
T-bone accidents, also sometimes known as side impact accidents, occur when one car hits another car on its side using its front. T-bone accidents are often more serious than other types of car accidents because there is much less protection available to keep riders safe on the side of a vehicle rather than the front or back of one.
T-bone accidents typically happen when crossing intersections or making left turns, but can occur at any time. Common injuries from t-bone accidents include:
- Spinal Cord Injury
- Nerve Damage
- Broken Bones
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How Florida Places Fault in Car Accidents
Florida is a no-fault state meaning that drivers are required to seek compensation through their own insurance companies after an accident. Because of this, to legally drive in Florida all motorists are required to have a personal injury protection plan that covers a minimum of $10,000 in damages. For most car accidents, drivers will have their damages covered through their personal injury protection plan. However, if damages go beyond what an individual’s own insurance company can cover, there are a few ways to get around the no-fault rules and place fault.
When an individual maxes out their own personal injury protection because of a car accident that was not their fault, they can file a claim against the other driver’s insurance company or file a personal injury claim against the driver.
The claim needs to prove that the other driver caused the car accident and that the individual filing the claim suffered injuries because of it. To prove the other driver is at fault, it is important to have a police report, photos, and witness testimonies to bring to court. To prove injuries, a medical report and photos are also incredibly important. An attorney can help individuals gather the necessary evidence to file a claim. If an individual wins their claim, the other driver or the other driver’s insurance company will pay for the leftover damages.
What You Need to File a Car Accident Claim
Whenever an individual finds themselves in a t-bone accident in Florida, there are several things they must do following the accident to improve their chances of third-party compensation.
- The most important rule following an accident is to stay at the scene until law enforcement arrives. Failure to do so can result in criminal charges for fleeing the scene of an accident.
- Have the police file a report on the accident. A police report detailing what happened is required to file a claim in Florida and may help place blame.
- Seek medical assistance as soon as possible and ensure the doctor supplies a medical report that details what caused the injuries. Proving an injury was caused due to the accident will help when calculating damages.
- Get the contact information of the other driver. This includes license and registration numbers, names, phone numbers, and insurance company information. You will need this information to file a claim against the other driver or their insurance company.
- Get the contact information of witnesses including names and numbers. Witnesses will be able to testify for a claim if an individual is trying to place fault.
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- Take photos and write down what happened. Writing down the events when memory is still fresh will be useful for cross-checking what police and medical reports stated. Photos of injuries and the accident will be used as direct evidence of the damage that occurred.
- Contact the insurance company. Following an accident insurance companies will want to ask questions. Be sure to not share too much information before contacting an attorney because they will use what is said to try and devalue the claim.
- Lastly, contact an accident attorney as soon as possible for the next steps in filing a claim.