When you get behind the wheel of our car, you probably don’t think about what you would do if you’re injured in an accident. You’re not thinking about how your medical bills will get paid if you’re unable to work because of your injuries. However, our Florida car accident claims process attorneys believe it’s always a good idea to prepare.
Most people may assume that if you get injured in a car accident, you simply submit your bills to your insurance company, and they pay them. At Winters & Yonker Personal Injury Lawyers, our Florida personal injury attorneys know it’s not always that easy.
The Florida car accident claims process can be fraught with paperwork, delays, and even denials. Make sure your insurance company is compensating you fairly for your injuries by contacting a Tampa auto accident attorney. We’ll help you take the stress out of the Florida car accident claims process, call us today at (813) 223-6200.
Why Choose Winters & Yonker Personal Injury Lawyers To Help You Through the Florida Car Accident Claim Process
Car accidents inflict not only physical injuries but also financial pain. When it comes to compensating you for your Florida car accident injuries, insurance companies are much more interested in their financial bottom line than your well-being.
Our Florida car accident lawyers are your first line of defense in protecting you against insurance companies who put their financial wealth over your health. With more than 119 years of combined experience under our belt, we’ve been tireless advocates for car accident injury victims.
When Winters & Yonker Personal Injury Lawyers is helping you through the Florida car accident claims process, you’re getting an aggressive team of attorneys who will:
- Comb through your policy to determine the extent of your insurance protection
- Scrutinize your medical bills, income records, and other evidence to calculate your financial losses
- Ensure your insurance claim is accurate and complete
- Talk to you about legal options if your insurance policy doesn’t cover all your damages
- Handle all communications with your insurance company to ensure you’re being treated fairly
Your insurance company doesn’t want you to have an attorney helping you with your car accident injury claim. They want to control the terms of your claims payout. Enlisting the help of Winters & Yonker Personal Injury Lawyers increases your prospects of getting the compensation to which you’re entitled.
What Injuries Does My Car Insurance Cover After a Florida Car Accident?
Under state law, Florida car owners are required to carry personal injury protection (PIP) insurance. Under our “no-fault” car accident system, drivers who are injured in a car accident must first look to their own PIP coverage for compensation, no matter who caused the accident.
PIP coverage will cover certain financial losses that flow from the insured’s car accident, including:
- Up to 80% of the insured’s reasonable and necessary medical expenses
- 60% of lost wages, but only up to $10,000
- Funeral and burial expenses up to $5,000 if the policyholder dies in the accident
As you can see, PIP coverage does have its limits because it may not cover all your actual out-of-pocket expenses that result from a Florida car accident. It also doesn’t cover non-economic damages, such as your pain and suffering, emotional distress, loss of enjoyment of life, and other non-financial losses.
However, you can submit a claim against the driver who caused your crash if your injuries are “serious” as defined by state statute, as well as if your losses exceed your policy limits.
Getting your insurance company to pay the value of your claim can be challenging. They may throw up one hurdle after another to avoid compensating you fairly. Winters & Yonker Personal Injury Lawyers can protect you against their tactics and talk to you about your other options for compensation when your PIP coverage simply isn’t enough.
What if I Reject the Insurance Company’s Settlement Offer?
In some cases, a Florida car accident claim can’t be settled with the insurance company. The insurance company may deny a portion of your claim that you believe should be covered by your insurance policy.
Some claims fail to result in a settlement because of the insurance company’s unethical or unlawful conduct. For example, the company may refuse to pay legitimate claims, fail to investigate a claim in a timely manner, or engage in some other “bad faith” motive.
In cases where an insurance company acts in bad faith, the policyholder may be entitled to additional damages beyond the actual value of the claim. In egregious cases, this could include the award of punitive damages and attorney fees.
If you’ve been hurt in a Florida car accident, you don’t have to be at the mercy of the insurance company that doesn’t treat you or your injuries fairly. Winters & Yonker Personal Injury Lawyers will level the playing field by keeping the insurance company honest.
Talk to a Premier Florida Car Accident Attorney About the Insurance Claims Process
Your insurance company won’t make the car accident claims process easy on you. One of the most important things you can do after a car accident is talk to an experienced personal injury attorney who understands the Florida claims process inside and out.
While you’re trying to recover from serious injuries after a Florida car accident, the last thing you need to be wrestling with is a hostile insurance company. Winters & Yonker Personal Injury Lawyers can take that stress off your plate.
Don’t leave your future physical and financial well-being to chance. Call us today to request your free consultation. We’ll walk you through the Florida car accident claims process step-by-step and make sure you understand your rights under your policy and state law.
