Tag Archives: car accident lawyers melbourne

“I was in a car accident and I can’t afford to go to the hospital!”

As a personal injury attorney, many people come to me following an automobile accident and they are frightened.  Whether they accidentally hit another motorist or someone hit them, they all have the same concern:  How am I going to afford to pay medical bills?

Most people earn enough to pay their monthly bills and expenses, but most have very little extra at the end of the month.  An unexpected emergency room bill or the need to pay a doctor for medical testing following an automobile accident are usually more than enough to tip the budgetary scales over the edge. Often times I see people in severe pain, refusing to go to the doctor because they think they can’t  afford it.

Luckily the Florida Legislature has designed an insurance system to protect consumers that incur medical bills following an automobile accident. All automobiles lawfully insured in the state of Florida are required to carry Personal Injury Protection insurance that is  designed to substantially cover medical bills incurred in an automobile accident.  Personal Injury Protection Insurance (PIP) is required insurance coverage in Florida.  PIP insurance pays 80% of any medical bill and 60% of any lost wages incurred as a result of an automobile accident. PIP covers the owner of a vehicle, any resident relatives in the car who do not have their own insurance (such as kids), and even passengers in the car who don’t have insurance from another source.  These benefits pay regardless of whether the accident was your fault or the fault of the other vehicle involved. It is very much like a health insurance policy that follows you wherever you go and protects you if you are injured in by an automobile.

What does this mean to you? If you own a vehicle that is properly insured, or you live with parents or a spouse that has a vehicle properly insured and you are injured by an automobile, you will have 80% coverage of any accident related medical bills up to the policy limit which is usually $10,000. This includes if you are a pedestrian struck by a car, or you’re on a bike struck by a car.  It covers you child if they are struck by a car or in another persons car that is in an accident. Even if you accidentally exit your car while it is in neutral and it runs over your foot, you have coverage.

Be aware that delaying treatment can limit PIP coverage.  In order to obtain PIP benefits, individuals injured in an auto accident must seek medical treatment within 14 days.  PIP benefits can be denied or severely limited if medical treatment is sought after the 14-day window has expired. PIP benefits can also be limited if the injured person is not diagnosed with an Emergency Medical Condition within that 14-day period following the accident.

Understanding insurance coverages following an accident will alleviate your fears and give you the confidence to get the treatment you need to stay healthy.  If you have questions about your automobile coverage, please contact us a Morgan & Barbary at 321-951-3400 and speak to a Personal Injury attorney about your questions, or visit us at Legalproblem.com. We are here to help.

Clay Morgan, Esquire and Personal Injury Attorney


We’re Honored to be Your Melbourne Truck Accident Attorney

At Morgan and Barbary we are committed to providing our clients with competent, effective legal representation in several areas of practice. We are aware just how devastating trucking accidents can be and we are prepared to fight for your rights.

As your Melbourne truck accident attorney, we have seen what the aftermath of a tractor-trailer accident can do to your entire family. Because of the sheer size of the involved vehicles, a crash between a commercial vehicle and a passenger vehicle is much more likely to cause death than two passenger vehicle crashes. We are dedicated to your recovery in three aspects: physical, mental, and financial. We believe that you should be compensated fully for your losses endured as the result of a commercial truck accident.

If you or a loved one has been the victim of an unfortunate trucking accident, then we would be honored to serve as your legal representation during your recovery process. Contact your Melbourne truck accident attorney today about getting started on your case.


Happy Thanksgiving from Your Melbourne Attorneys

As your Melbourne attorneys we are excited to celebrate the upcoming holiday season. Thanksgiving is just around the corner, and we hope that you will get to enjoy the holiday with your friends and family. We remind you that the holidays can be a scary time for driving on the road, and encourage you to practice aware and safe driving.

As your local legal problem solvers we are grateful for each and every one of our clients we have had the pleasure working with throughout 2014. Whether you came to us for personal injury, criminal defense or family law—we’d like to thank you for your loyalty as our client. While the holidays are certainly a time to be grateful for what we have, we also need to be mindful of the dangers around us. Driving on the road during the holidays can lead to disaster and we remind you to remain aware.

Your Melbourne attorneys wish you a very happy Thanksgiving and remind you to stay safe on the roads throughout the upcoming holidays.


Boating Can Be Dangerous–Call Your Melbourne Personal Injury Attorney

As your Melbourne personal injury attorney, we realize that boating is a popular activity in Florida all year long. Boating can be a great time whether out on a lake, river, or ocean—even in the fall and winter seasons. However it is important to note that boating can be very risky and accidents are likely to occur.

Waterways experience traffic just as our roads do and therefore accidents are capable of occurring more than people may realize. The Florida Fish and Wildlife Conservation Commission reported 704 total boating accidents in the Florida region in 2012. Of the 704 accidents 55 fatalities and 386 serious injuries were reported. The biggest contributing factor to most boating accidents is human error. Even without human error, accidents can occur due to shallow waters, waves, and other factors.

If you or someone you love is injured or killed in a boating accident, seek the legal help your Melbourne personal injury attorney right away. While no amount of money can ease the pain, litigation can hold the other party responsible and a settlement award may help with incurred expenses.


Contact Your Melbourne Personal Injury Lawyer About Your Motorcycle Accident

As your Melbourne personal injury lawyer, we have the knowledge and experience it required to achieve the outcome you deserve when it comes to your motorcycle accident case. If you have been the victim of a motorcycle accident, there’s no time to waste in seeking your personal injury attorney.

Motorcycle accident cases require special knowledge and attention as Florida has special rules that apply to motorcyclists and are vastly different from rules that an automobile driver must adhere to.  For example, motorcyclists are not subject to Florida’s no-fault laws, which require you to have personal injury protection coverage for your car. This might result in an injured motorcyclist incurring medical bills with no way to pay them off, which is why seeking representation early on will help.

As your Melbourne personal injury lawyer, we have the experience and the passion required to represent you as an injured motorcyclist. If you or a family member has been injured in a motorcycle accident, contact the experts at Morgan & Barbary for effective personal injury representation.