In Florida Car Accidents, No-Fault Claims Aren’t Your Only Option

If you live and drive in Florida then you likely know that this state uses a no-fault system when handling vehicle accident claims. If you don’t know much about no-fault systems, they basically operate on the idea that each person should recover compensation for damages through their own insurance policy, no matter who was to blame for the crash.

There are positives and negatives to this system. The good thing about no-fault insurance is that you can receive your benefits faster, without having to prove fault to recover compensation. On the other hand, the person who caused the crash really doesn’t have to deal with any negative repercussions of their negligent actions.

No-fault claims are the primary way of receiving monetary payment for your auto wreck damages, but they aren’t the only way.

Serious Injury Accidents

There is an exception that allows you to take your claim out of the no-fault system and pursue the party that caused the wreck—when you’ve been seriously injured.

Only if you’ve been seriously injured, or in the event of a wrongful death, can you file a case against the at-fault driver. That party’s insurance company will pay you for your damages, assuming that you win your case.

You will have to prove that your injuries are substantial, and that your damages exceeded the limits set by your own insurance policy.

What injuries are considered serious? Florida’s serious injury threshold law is kept fairly vague, but essentially any injury that is substantial, debilitating, or permanent, could qualify. The following are a few examples of “serious” injuries that might qualify under this definition.

  • Broken bones
  • Traumatic brain injuries (TBIs)
  • Severe burns
  • Spinal damage
  • Amputations
  • Significant organ damage or internal injuries

How Do You File a Claim Against the At-Fault Driver?

If you believe that your injury will meet Florida’s definition of serious, then you will need to investigate your accident, gather evidence, and prove fault. Your lawyer can also handle a lot of this process for you, and it’s usually advisable to have legal help when filing a case against another driver.

Once you prove fault, you can negotiate compensation with the driver’s insurance company to obtain payment for your damages. Should the insurance company refuse to pay you fairly for your injuries then you can take your case to court by filing an injury lawsuit.

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Car Accident Hotspots in New York City

Most people have seen the movies depicting downtown Manhattan as a sea of backed up yellow cabs. These images cause many of us to wonder if it is actually safe to drive in New York City. As the most heavily populated city in the U.S., there are numerous car accident hotspots in New York City to be aware of and avoid when possible.New York City, the home to almost 9 million people, is a hotspot of activity. Drivers, cabs, cyclists and pedestrians are everywhere on the streets.

It’s not just the other motorists that drivers have to look out for, but also the pedestrians popping up everywhere. While the numbers of traffic-related fatalities have been decreasing over the years, there are still certain intersections where accidents are more likely to occur.

Dangerous Intersections

The worst intersections are the ones that are near or on off-ramps of main tunnels and bridges. Some of the worst include Tillary Street and Flatbush Avenue, where there is triple access to the Manhattan Bridge, the Brooklyn Bridge, and the BQE. The Queensboro Bridge’s Manhattan side and the Bowery and Delancey Street intersection are where numerous car collisions occur around the Manhattan and Williamsburg Bridge off-ramps. Delancey street holds the reputation of being a pedestrian nightmare. Below is a thorough listing of New York’s heaviest collision intersections:

  • Tillary Street and Flatbush Ave, Brooklyn
  • 2nd Ave and East 59th St, Manhattan
  • 42nd Street and 8th Ave, Manhattan
  • Linden Boulevard and Pennsylvania Ave, Queens
  • Atlantic Ave and Pennsylvania Ave, Brooklyn
  • The Bowery and Kenmare Street, Manhattan
  • Queens Boulevard and Long Island Expressway, Queens
  • 57th Street and 3rd Ave, Manhattan
  • 42nd Street and 9th Ave, Manhattan
  • 34th Street and 7th Ave, Manhattan
  • West 40th Street and 11th Ave, Manhattan
  • East 138th Street and Alexander Ave, Bronx
  • The Bowery and Houston Street, Manhattan
  • East Fordham Road and Southern Boulevard, Bronx
  • 2nd Ave and East 36th Street, Manhattan
  • West 42nd Street and 7th Avenue, Manhattan
  • 1st Avenue and East 96th Street, Manhattan
  • 3rd Avenue and East 59th Street, Manhattan
  • 1st Avenue and East 96th Street, Manhattan
  • Erksine Street and Seaview Ave, Brooklyn
  • Atlantic Avenue and Conduit Boulevard, Brooklyn
  • East 34th Street and 2nd Ave, Manhattan
  • West 42nd Street and 6th Ave, Manhattan
  • East 125th Street and 2nd Ave, Manhattan
  • West 34th Street and 8th Ave, Manhattan
  • Flatbush Ave and Empire Boulevard, Brooklyn

The above New York City intersections are the locations