What happens if an uninsured driver hits me?

Picture this: You’re sitting in your vehicle at a stoplight, patiently waiting for it to change to green. You notice a car in front of you, a car behind you, and one on either side of you. Out of those four vehicles, chances are, one is uninsured and the others may be underinsured, meaning they only carry the minimum required by Florida law. You have no idea which it is, and any of them could... read more?

Why isn’t my insurance company paying all of my medical bills?

Florida is a No-Fault State, which means that if I am in a car accident – regardless of who is at fault – my automobile insurance is going to pay the first $10,000.00 of my medical bills. This is known as Personal Injury Protection (PIP). However, my insurance company is only going to pay 80% of my medical bills – with the remaining 20% my responsibility. I also may be subject to a... read more?

Do I have to talk to my insurance company after getting in a car accident?

Yes, but before you talk to an insurance company or agree to do a recorded statement, please contact us first so we can advise you of your legal rights. An insurance company can refuse to provide you benefits if you are not complying with your policy. This is why it is important to speak to a lawyer so they can advise you of your legal rights regarding how to comply with your insurance company... read more?

Who pays to fix my car after an accident?

Ultimately, it is the person who caused the accident that is responsible for the cost of repairing your vehicle. When the at-fault party’s insurance company accepts liability for the accident, they will work with you to get an appraisal of the damage, determine repair costs, and discuss with you where the vehicle can be taken for the repairs. If the repairs would cost more that the vehicle is... read more?

Do I have to talk to the other driver’s insurance company after an accident?

Insurance companies are very wealthy and very powerful. They will unfortunately often times try to take advantage of those who have been injured in accidents by asking for sworn statements immediately after the event. Insurance companies will try to get you to make statements (often times regarding your injuries) that they can later use against you in court. We often see that the full extent of... read more?

What is PIP (personal injury protection) insurance?

PIP stands for personal injury protection.   In Florida, PIP covers 80% of your medical bills when you are involved in a motor vehicle collision up to $10,000.00. PIP will also cover 60% of your lost wages under the same $10,000.00. When you are involved in a motor vehicle collision, you will use the PIP on your own insurance policy. If you do not own a vehicle, you can qualify for PIP through a... read more?

What is uninsured motorist coverage?

Uninsured Motorist Coverage (UM) is insurance that you can purchase on your own policy to protect you if the person who injures you in a car accident has little or no insurance coverage. Florida law does not require drivers to purchase insurance coverage to pay for bodily injury they cause to others in car accidents! There are a surprising number of people who have no Bodily Injury Coverage (BI)... read more?

Will being in a car accident make my insurance rates go up?

When you are found to be not at fault for an accident, your insurance company should not raise your rates on your policy for having to use the coverages afforded to you under state law and that you have specifically purchased to protect yourself when an accident occurs. An insurance company can raise rates for a variety of reasons and if you are concerned about whether your rates have, or will... read more?

Why does my insurance company have to pay my medical bills after an accident?

Florida is known as a No-Fault State.  Every automobile insurance policy issued in Florida has a provision called Personal Injury Protection.  This is also known as PIP or Florida No-Fault coverage.  When an automobile accident occurs, regardless of fault, your insurance policy, through your Personal Injury Protection provision, pays for your initial medical bills.  This provision states... read more?

Why would I sue my own insurance company?

Insurance companies are in the business of making a profit. The less an insurance company has to pay out in claims, the better it is for its bottom line. Even when an automobile accident is not your fault, there are still several potential instances where a claim needs or may be made on your own insurance policy. ... read more?

Should I Carry Uninsured/Underinsured Motorist Coverage?

In the event you are involved in a motor vehicle collision that is no fault of your own and the person causing the collision does not carry sufficient Bodily Injury Liability Coverage on their automobile insurance policy, you should consider purchasing Uninsured/Underinsured Motorist Coverage. This coverage can stand in the place of Bodily Injury Liability Coverage on the at-fault party’s... read more?

How Much Bodily Injury Liability Coverage Should I Carry in Florida?

In order to protect yourself against personal liability if you cause a collision involving motor vehicle collision, it is important to consider purchasing Bodily Injury Liability Coverage. Bodily Injury Liability Coverage can be purchased in a variety of different coverage amounts, with the minimum amount being $10,000.00 for any one injury claim. Depending on your need for protection from... read more?

How Much Property Damage Liability Coverage Am I Required to Carry in Florida?

If you own a motor vehicle in Florida, you are required to carry a minimum of $10,000.00 in Personal Injury Protection Coverage and $10,000.00 in Property Damage Liability Coverage. There are currently no other automobile insurance coverage requirements that will protect you in the event you are involved in a motor vehicle collision, however, there are a number of other coverages that you may... read more?

What is Gap Insurance?

In addition to your own automobile insurance, you have the option of purchasing GAP insurance when you take out a loan for a vehicle.  GAP stands for Guaranteed Asset Protection. GAP insurance may protect you in the event of an auto accident.  This insurance pays the difference, or the “gap,” between the balance of a lease or loan due on a vehicle and what an insurance company pays if the... read more?

What is Collision Coverage?

Collision coverage with your insurance company pays for repair or replacement of your vehicle if it is involved in an accident. It will pay regardless of who causes the accident. It does not cover injuries to people or damage to property other than your vehicle. Generally, you will have a deductible for this coverage, requiring you to personally pay for the initial expenses, subject to the... read more?