A recent single-vehicle crash in Miami highlights how quickly an accident can result in injuries, even when another vehicle is not immediately involved. The Miami Car Accident Lawyer team at the Perazzo Law Firm reminds drivers and passengers that insurance coverage may still be available after a crash involving a tree, utility pole, guardrail, building, or other fixed object.
According to local news reports, a 48-year-old man was hospitalized after his vehicle crashed into a large tree near the intersection of Northwest 11th Avenue and First Street in Miami.
Miami Fire Rescue responded to the accident Wednesday evening. Authorities reported that the driver suffered a head injury that was not considered serious. Additional details concerning what caused the vehicle to leave the roadway were not immediately available.
What Insurance Covers a Single-Vehicle Accident?
After an accident involving a tree or another stationary object, several types of automobile insurance may potentially apply depending on the policy and circumstances.
Personal Injury Protection (PIP): Florida PIP insurance generally provides benefits regardless of who caused the accident. Florida law provides PIP coverage for 80% of qualifying medical expenses and 60% of qualifying lost income, subject to applicable statutory limits and requirements. Initial medical treatment generally must be received within 14 days of the accident.
Collision Coverage: Collision insurance is designed to cover damage to the insured vehicle caused by a collision with another vehicle or object. Because collision coverage is optional, whether repairs or a total loss are covered will depend on the driver’s individual policy, deductible, and coverage limits. Florida’s Department of Financial Services identifies collision as one of the optional automobile coverages available to motorists.
Medical Payments Coverage: Also known as MedPay, this optional coverage may help with accident-related medical expenses that are not fully paid through PIP, depending on the terms of the policy.
Uninsured/Underinsured Motorist Coverage: UM/UIM coverage may become important if another driver caused the insured motorist to swerve or crash and that at-fault driver has insufficient insurance or no insurance. This coverage is optional in Florida.
Investigating the Cause of a Miami Car Accident
A single-vehicle crash does not automatically mean that the injured driver is solely responsible. A Miami Car Accident Lawyer may investigate whether another driver, dangerous roadway conditions, defective vehicle components, poor lighting, construction hazards, or another factor contributed to the accident.
Evidence may include surveillance video, dashcam footage, witness statements, vehicle data, photographs, police reports, and insurance records.
Call the Perazzo Law Firm
If you or a loved one has been injured in a car accident, CONTACT the Perazzo Law Firm to discuss your legal and insurance options.
Call 888-PERAZZO for a FREE consultation, available 24/7.
The Perazzo Law Firm serves accident victims throughout Florida, Georgia, and Texas.
Disclaimer: This article is for general informational purposes only and does not constitute legal advice. Insurance coverage varies by policy and jurisdiction. Every accident is different, and prior results do not guarantee a similar outcome.
Incident information based on reporting by WSVN 7News.