Car accidents are a fact of life. They happen every day in Florida. The National Highway Traffic Safety Administration (NHTSA) reported 3,097 fatal crashes on Florida roads in 2006. If you’ve been in a car accident and are looking for information about how to assess your rights and responsibilities and where to go for help, you’ve come to the right spot. Here you will also find rules, laws and other information specific to the state of Florida, you can also contact our attorneys with specific questions and for a free evaluation of your case.
How an Auto Accident Insurance Claim Works
An auto accident insurance claim begins with an accident. If one is involved in a car accident, there are very important things you should do at the accident scene. First, if anyone is injured one should call medical assistance. Also at the first opportunity, you should report the accident with your insurance carrier and begin the process of filing a claim. After you have submitted your claim, a claims adjuster will either call, write or email you regarding your claim. At this stage the insurance company is looking to see if coverage will be afforded to you (BE VERY CAREFUL). At this stage one should have read ones insurance policy and be able to answer the adjusters questions. He or she will then look at your policy to determine coverage.
What Is Your Car Accident Injury Claim Worth?
Insurance companies will typically pay for the following:
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- Medical Expenses
- Future Medical Expenses
- Pain and Suffering
- Lost Wages
- Loss of Earning Capacity
- Loss of Consortium
- Property Damage
How Fault Affects Your Recovery?
Beyond the damages suffered, the degree of fault is probably the most important factor in determining how much you may finally recover for your injury. In most cases, both you and the insurance company will know (by the circumstances surrounding the accident) the level of fault for both parties. Was the other party completely at fault? Mostly at fault? Or only a little at fault? An adjuster will reduce your recovery amount by your percentage of comparative fault. If you were only 10% at fault, your damages total will be reduced by 10%. Your recovery will not be reduced by any amount if the accident was clearly someone else’s fault.
What if my insurance company is not covering my claim or not paying out what I believe is usual and customary?
In those cases where one carries insufficient insurance or the offer by the insurance company is not enough to cover all your present and future damages an attorney may be your option. Although an attorney is not require to present a legal case, doing it on ones own may be a difficult task. It’s akin to operating yourself.
*If your ticket results in assessment of points against your license and you have had no more than 1 ticket in the previous 12 months, we will refund the attorney’s fees that you have paid us in all cases except the following: any criminal case; speeding in excess of 30 mph or more over the speed limit; school zone speed violations in excess of 35 mph; any accident involving bodily injury; and any ticket issued outside of Dade, Broward or Palm Beach Counties. Costs are additional, if any.