Automobile insurance companies play a huge role in resolving the issues involved in an auto accident. Policyholders expect their insurance companies to deliver the coverage they promise to provide under the driver’s policy, in order to get through the financial burden associated with property damage and injuries.
Receiving a significantly smaller amount of funds than you expected and are entitled to recover in order to cover your damages, can negatively impact your life in a significant way. Even the slightest fender bender, which may cause little to no bodily harm, can open up a door to a series of complications and headaches associated with limited finances.
There are situations in which neither party involved in an accident is found at fault. However, in Florida, you can still recover moneys as a result of your injuries by making a claim with your own auto insurance company. Should you be entitled to moneys as a result of the accident, your claim should be paid according to the terms of your policy. If the insurance company is uncooperative, and is refusing to compensate you, a first party lawsuit should be filed in civil court. We can assist you in preparing, and filing such a lawsuit.
Florida law requires any driver who takes his or her vehicle out on the road to have some form of insurance coverage. Driving without insurance is not only illegal, but it can result in serious problems if the uninsured driver is involved in an accident and causes injury to another person, or damage to that person’s vehicle or other property. Unfortunately, it happens quite often.
Being struck by a driver who does not have insurance and cannot cover the damages to your vehicle, property, or person can cause much distress. In addition, some drivers who cause an accident, whether insured or not, leave the scene of the accident before the police arrive and their personal and insurance information cannot be obtained (a “hit and run”). This situation has the same effect as being stuck by an uninsured driver. That is, there is no other driver’s insurance from which you can recover compensation for your injuries and other damages.
Even if a driver has some form of insurance coverage, you may still run into complications when filing a claim with the at-fault party’s insurance company. One of the most common complications victims encounter is discovering that the at-fault driver’s insurance policy will not provide sufficient funds to compensate for the full extent of the damages. Basically, the at-fault party is underinsured and you are left in almost the same position – with insufficient compensation for your injuries and property damage.
For these reasons, it is important to carry Uninsured Motorist / Underinsured Motorist Coverage. That way, should you find yourself in any of the situations described above, you can seek help from a personal injury attorney who is experienced in first party uninsured motorist / underinsured motorist claims, and can help you recover from your own insurance company, pursuant to your Uninsured Motorist / Underinsured Motorist insurance policy.
Dania Arencibia, and her team, at Arencibia Law, know just the steps to take in order to ensure that you are compensated appropriately. Whether such steps encompass filing a claim with your insurance company to compensate you for your injury or loss, file a lawsuit against the insurance company (should it refuse to pay an appropriate amount), or even going after the other driver’s assets, you can rest assured that your case will be in capable hands.
Personal Injury Protection, or PIP, is a form of insurance coverage required in the state of Florida. PIP covers up to 80% of the expenses that arise when being involved in an auto accident. After the accident occurs, you may have to worry about:
That is a daunting and alarming list, but the purpose of PIP insurance is to address most of the difficulties caused by the financial consequences of an auto accident. However, dealing with your insurance provider may not always be as easy as one would hope.
It is always a wise decision to contact an Insurance Lawyer in Miami, such as Dania Arencibia at Arencibia Law, before taking any action. Having a reliable attorney at your side who can fight for your best interests can make your case. Contact Arencibia Law today at (305) 421-6305 or click here to schedule a meeting with Dania Arencibia, Insurance Lawyer in Miami. The Arencibia Law team will evaluate your case, and decide which course of action is right for you.