Boca Raton Car Accident Lawyer

Successfully Handling Florida Automobile Accident Claims

Do you need a car accident insurance lawyer?

If you’ve been in an automobile accident, it’s important to have legal representation that you can depend on. The Law Firm of Joseph J. Rosen, P.A. is experienced in helping people through the often complicated process of submitting an automobile accident claim – especially when insurance companies refuse to pay.

Boca Raton Attorney Handles Automobile Insurance Claims in Florida

When Do I Need to Hire a Car Accident Lawyer in the Insurance Claim Process?

Some insurance claims do not necessarily need the help of an attorney, but in many cases it may be in your best interest to seek assistance from an experienced car accident insurance lawyer.

You might need an attorney if:

• Liability is not clear or is shared between the parties.
• You are not sure how to take your claim through the claims process.
• The insurance company’s settlement offer is too low.
• You have lost wages that are difficult to prove.
• The insurance company has denied your claim, and you believe the denial of the claim is unwarranted.
• You are seriously injured or the injured party is a minor.
• The other party involved is filing a law suit.

When it comes to an injury from a car accident, what are the various types of insurance protection available in Florida?

Personal Injury Protection – Personal Injury Protection, also known as “PIP,” is a no-fault based insurance that provides very basic protection to an individual if he or she is injured in an automobile accident. State law requires individuals to carry PIP insurance. PIP insurance basically covers a person’s medical expenses, lost wages and other out-of-pocket expenses. PIP insurance generally provides coverage up to a limit of $10,000 and is considered primary. When we say that PIP is “primary” this means that the injured person must first look to his own PIP coverage for reimbursement of expenses before looking to the other party or other available insurance coverages for additional reimbursement after the PIP benefits are exhausted.

Bodily Injury Coverage – Bodily Injury, or “BI” coverage is another level of insurance which may be available to an injured person in the event of a car accident. If the motorist who negligently caused the car accident has BI coverage, then the injured person may be able to seek reimbursement from that tortfeasor’s BI insurer. Bear in mind, state law does not generally mandate individuals to purchase BI insurance in Florida. So it is very possible that the motorist who negligently caused the accident does not, in fact, have BI insurance. However, if the motorist has BI insurance, and after the injured person has already exhausted his or her own PIP coverage, then payment from the BI insurer may be available to the injured person, subject to the terms and conditions of the BI insurance policy.
If a motorist does not have BI coverage, or does not have sufficient BI coverage to pay for all covered expenses, then the injured person may have to look to his or her own Uninsured Motorist coverage.

Uninsured Motorist Coverage – Uninsured Motorist (UM) coverage is not mandatory in Florida, but is optional. UM coverage insures a person against permanent injuries caused by the negligence of another motorist. More specifically, your UM carrier will cover damages for your injuries that result from an automobile accident in situations where the motorist who caused the accident either does not have bodily injury liability insurance or the limits of his bodily injury liability insurance is not sufficient to cover all of your damages. So, before you can make a claim against your Uninsured Motorist Carrier, it first must be established that the negligent motorist who caused your damages is either uninsured or underinsured.

For help with Florida automobile accident claims, call us today

If you were involved in a car accident and need help dealing with the insurance claims process, contact us today at 561-638- 8593 for a FREE consolation.