Florida Car Accidents and Insurance Companies

Protect your rights with an experienced car accident attorney in Palm Beach County

Dealing with car insurance companies in Florida after a car accident can be a daunting and frustrating process. Insurance companies often prioritize their profits over your well-being, and they may use tactics to minimize or deny your claim. These tactics can include offering lowball settlements, delaying payments, or disputing the extent of your injuries.

However, you don’t have to navigate this challenging situation alone. With the help of an experienced car accident attorney like Mr. Shomo, you can level the playing field and ensure that your rights are protected.

Mr. Shomo has a deep understanding of Florida’s insurance laws and knows how to negotiate effectively with insurance companies to pursue the compensation you deserve. From gathering evidence to negotiating settlements or litigating in court if necessary, our law firm will guide you through every step of the process. With our expertise and dedication, you can rest assured that your case is in capable hands, allowing you to focus on your recovery and moving forward after a car accident.

Understanding Florida’s no-fault insurance system

Navigating the aftermath of a car accident within Florida’s no-fault system can present significant challenges. At The Law Offices of Casey D. Shomo P.A., we understand the complexities of insurance coverage in Florida car accidents, and Mr. Shomo personally ensures that you receive expert guidance every step of the way.

In Florida, there are various insurance coverages to consider, each with its own procedural requirements and obligations. These include bodily injury insurance, uninsured/underinsured motorist insurance, and Florida’s No-Fault law, which provides crucial coverage for individuals injured in car accidents, offering approximately $10,000 in benefits along with additional support.

Bodily Injury Liability (BIL) insurance comes into play when an individual harms or injures another in a car accident. However, in a state where over 20% of drivers are uninsured and carry no bodily insurance coverage, uninsured/underinsured motorist coverage becomes indispensable. This coverage protects drivers who are injured due to the negligence of others lacking sufficient or any bodily injury insurance coverage.

How no-fault insurance can increase your premiums

While no-fault insurance seems like a fair system that allows drivers to become worry-free about their damages after an accident, there is also a negative side to this system. Unless certain insurers provide your no-fault insurance, there’s always a chance of your premiums increasing after your accident.

What this means is that the price of your no-fault insurance can steadily increase depending on the number of accidents you experience. Even if a careless driver caused your accident, you’re still at risk of paying more for your no-fault insurance. Insurance companies practice this to discourage reckless driving, but the action is sometimes unfair to customers.

Some no-fault insurance providers are notorious for having a large average increase for drivers who have been in accidents. Insurance companies have the potential to steadily raise your premiums for seemingly any reason.

Although no-fault insurance can be beneficial in recovering damages from your auto accident, this mandatory policy can negatively impact your premiums. Some insurance companies have discovered how to exploit this system and will not hesitate to increase the price of your insurance at any chance they get.

Filing an insurance claim

Filing an insurance claim after a car accident is a crucial step toward securing the compensation you rightfully deserve for your injuries and damages. Promptly reporting the accident to your insurance company is vital, as most policies mandate timely notification of any incidents. This not only ensures the efficient processing of your claim but also helps you meet any deadlines stipulated by your policy.

When communicating with your insurance company about the accident, it’s essential to keep the conversation concise and focused on the facts. Avoid providing unnecessary details, as insurance adjusters may use any information you disclose against you during the evaluation process. Thus, exercising caution in what you say is essential to protecting your claim.

Moreover, if another driver’s insurance company contacts you, proceed with caution. They might attempt to pressure you into accepting a quick settlement or elicit statements that could undermine your claim. It’s advisable to refrain from engaging with them directly and instead direct them to your own insurance company or your attorney for further communication.

Be cautious of lowball offers

When dealing with insurance companies after a car accident, it is not uncommon to receive lowball offers – settlement offers that are far lower than what you deserve. These offers may seem tempting at first, especially if you’re facing mounting medical bills and other expenses. However, accepting a lowball offer can leave you severely under-compensated for your injuries and damages.

That is why it is crucial to avoid accepting any settlement offer without first consulting with an attorney. A skilled attorney can assess the true value of your claim and negotiate with the insurance company on your behalf to ensure you receive fair compensation. They’ll work to gather evidence, build a strong case, and advocate for your rights every step of the way.

Review your options with an experienced lawyer

With over 30 years of experience in car accident claims, Mr. Shomo not only handles complex litigation involving injuries but also serves as a dedicated advocate and consultant for his clients. He assists them in understanding their insurance coverage options and ensures they obtain the protection that best suits their needs. To learn more about how our law firm can help you after a car accident in Palm Beach County, contact us today for a free consultation.