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… read more?

How do I get a rental car after a car accident?

If the other driver is at-fault and his/her insurance company accepts liability, then the at-fault driver’s insurance company should provide you with a rental vehicle during the time your vehicle is being repaired or until you receive a check for the value of the vehicle.  An issue can sometimes arise when the other driver’s insurance… 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%… 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… read more?

Do I still have an injury claim if I wasn’t wearing my seatbelt?

Yes. You may still have a valid claim for personal injury if you weren’t wearing your seat belt in car accident.  Florida law requires you to wear a seatbelt.   If you are in a car accident and do not have your seatbelt on, you can still bring a claim. It is important to tell… read more?

Why won’t my primary doctor treat me after a car accident?

Many primary care doctors have made a conscious decision not to treat auto injuries for several reasons. Some are not set up to submit their bills to auto insurers, which is different than submitting to health insurance; some do not want to be involved in the medical care of a patient that might ask them… 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… 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… 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… 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!… read more?

What is a no fault state?

A no-fault state is one that has decided, through the laws of that state, that each owner and operator of a vehicle will be required to carry coverage on their automobile insurance to be used to cover medical expenses should an accident occur, regardless of who is at fault for that accident. This coverage, called… read more?

What should I do if asked to give a statement after an accident?

If you have had an accident in recent months, your insurance claims adjuster may ask for a recorded statement. Sometimes, when you give a statement, it can expedite the investigation, and it can speed up the process of your settlement claim. However, all too often, these statements are used by the insurance company to jeopardize… read more?

What are the symptoms of having a concussion?

Concussions are the most common kind of head injury, affecting millions of people in the US every year. They are frequently associated with sports-related accidents, but can also be caused by car accidents, trip and fall injuries, falling objects, and assaults. Depending on the extent of harm done and the quality of care received by… read more?

Should I be concerned if I have suffered a concussion?

Concussions are the most common kind of head injury, affecting millions of people in the US every year. Known as a mild traumatic brain injury, concussions are generally caused by bumps, blows or jolts to the head or body, causing the brain to move in the skull and affect normal brain functionality. While frequently associated… 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… read more?