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Why the $10,000 Promised by 411-PAIN is Often not Enough

01.25.2017 by | Insurance

PIP Lawyers in Florida

$10,000 can seem like a lot of money to many people – life-changing money actually. This is especially the case if you have just been in a car accident. You likely picture the medical bills piling up and suddenly remember the commercials for the 411-PAIN hotline that says they can get you $10,000 after a car accident injury. You pick up the phone, thinking that $10,000 will solve your problems.

Fast-forward to weeks or months later and you are struggling to pay your bills, maybe even in a worse situation than you were before you called 411-PAIN. When it came down to it, the $10,000 promised by 411-PAIN was not enough to cover your losses and now you have lost the right to seek any further compensation. The following is a brief explanation of why $10,000 is often not adequate for car accident victims.

Why $10,000?

Accident hotlines often focus on $10,000 because this is the minimal amount of Personal Injury Protection (PIP) coverage required under Florida law. Every driver must have $10,000 worth of PIP coverage, which is intended to compensate you for your injury-related losses after a car crash. 411-PAIN will file a PIP claim for you and the maximum compensation for many people is $10,000. This does not mean that you will have $10,000 in your pocket, however, as much of those funds will go directly to your medical treatment providers. In addition, losses after a car accident can often well exceed $10,000, leaving you with next to nothing.

Common Losses after a Car Accident

The following are only some of the more common losses after a car accident:

Medical bills – If you suffered an injury, you should seek medical treatment as soon as possible. If you call 411-PAIN, they will refer you to their network of clinics that offer chiropractic treatment for accident victims. They can perform many different diagnostic tests and recommend many courses of treatment and the bills can add up fast. These clinics will bill your insurance directly and can quickly deplete your $10,000 worth of coverage. If chiropractic care does not heal your injuries, you may have to pay out-of-pocket for the additional treatment you require.

Lost wages – In addition to medical bills, many car accident victims have to miss work while they recover. If you have enough coverage leftover after medical bills, your PIP can cover lost wages. However, if your medical bills eat up all of your coverage, you may have difficulty paying your bills and housing expenses if you lose any income.

Miscellaneous expenses – Finally, you may incur losses for transportation and assistance you require while you recover. Extra miscellaneous costs of injuries can quickly affect your financial situation and you can find yourself in a dire situation with no additional compensation available.

Call Our Clearwater Experienced PIP Insurance and Personal Injury Lawyers for Help

At Dolman Law Group in Clearwater, Florida, we know that your injury-related losses can add up quickly. We will explore every option to help you obtain the full compensation you deserve, even if it means going to court. Please call our highly skilled and dedicated car accident lawyers at 727-451-6900 for help today.