Car Accident Lawyers in
West Palm Beach, Florida

Auto Insurance Laws in Florida

In Florida, car accidents are primarily covered by personal injury protection, or PIP. This is because Florida is a no-fault state, meaning that you’ll need to first turn to your own car insurance coverage for compensation of your medical expenses—even if the other driver was blatantly at fault. Since every Florida driver is required to have no-fault auto insurance (PIP), they are required to let their own insurance company cover their medical bills damages following an accident.

Ideally, drivers should purchase UM (uninsured or underinsured) coverage. This protects you against the many more reckless drivers in Florida who choose not to have enough bodily injury coverage to compensate victims of their negligence.

However, PIP insurance often simply doesn’t cover the medical costs, loss of earning capacity and suffering of a catastrophic injury. That makes it necessary for an injured victim to pursue a claim or lawsuit against the at-fault driver.

Dealing with an Insurance Company After Your Accident? Why You Need a Lawyer

Accident survivors rely on insurance companies to provide them with a settlement amount that covers their injury-related expenses. These essential damages can account for a victim’s current and projected medical expenses, lost wages, care replacement and more. Ideally, this settlement should mitigate any financial repercussions associated with the accident and help the victim maintain their prior standard of living. Unfortunately, insurance companies frequently engage in questionable tactics to avoid paying a survivor the compensation their injuries truly warrant.

Understanding Insurance Company Motives

An insurance company operates like any other business. They make money by investing the insurance premiums paid for by individual customers and businesses. They aim to pay an accident victim as little as possible while still respecting the guidelines of the law. Insurance adjusters are trained to manipulate plaintiffs for the sole purpose of diminishing the value of their claims. For example, they may trick an accident survivor into making a recorded statement that ultimately undermines their case. If an adjuster can prove that the injured party is equally or fully responsible for an accident, they may be able to limit or eliminate the victim’s right to compensation.

However, the most common tactic is to start the negotiation process with an inadequate settlement offer. In most cases, this amount isn’t enough to cover the full extent of a victim’s injury-related expenses. If an accident survivor accepts an initial settlement offer, they may struggle with serious financial debts in the future.

The only way to avoid this situation is to retain the services of an experienced West Pam Beach car accident lawyer who isn’t afraid to negotiate with these powerful insurance companies.

What to Do After Your Accident

The time following a crash or accident can be extremely important to your case. The sooner you take the right steps, the better. From getting immediate medical care to exchanging insurance information with the other driver to calling the police, you know how vital these steps can be. You should also make sure to report the incident to your insurance company. Write the information down right after an accident to ensure your memory stays sharp.

When injuries and serious damages are involved, one of the most crucial steps you can take is talking to a lawyer. While you may not think your case calls for a seasoned West Palm Beach car accident lawyer, chances are you will face more obstacles than you expect. From insurance companies to elusive drivers, you need an advocate on your side you can trust.

The Benefits of Hiring a West Palm Beach Car Accident Attorney

At Clark, Fountain, La Vista, Prather & Littky-Rubin, our West Palm Beach car accident lawyers have more than 200 years of collective legal experience and a comprehensive understanding of insurance company tactics. Our exceptional legal team has recovered more than a billion dollars on behalf of our clients.

We can meticulously review your injury-related debts and expenses to ensure that you’re awarded a reasonable settlement amount. With this information, we can also recognize and account for future expenses you may not be anticipating. If the insurance company’s initial settlement offer doesn’t reflect your financial needs, we can develop a thorough and practical counter-proposal that effectively achieves your legal objectives. We aren’t afraid to litigate for your best interests in court if it means securing a beneficial verdict that safeguards your quality of life.

Complete an online case evaluation or set up a consult by calling our firm at (561) 922-0258.