Car Accident Injury Insurance Claims

Victims seriously injured in car accidents must file some kind of insurance claim in order to be compensated for the expenses associated with those injuries. Whether it is a claim with a victim’s own insurance company, or a claim to receive damages from another at-fault party involved in the accident, the process may be complicated and overwhelming. The Miami car accident lawyers at the Law Offices of Robert Dixon have vast experience assisting clients with their car accident injury insurance claims, making sure that they understand their rights and options.

We are dedicated to helping accident victims recover the compensation that they need and are entitled to receive under applicable insurance policies. Unfortunately, insurance companies are not always eager to pay benefits, and roadblocks may arise. Our attorneys know how to navigate those roadblocks, dealing with large insurance companies to make sure that our clients obtain the most favorable resolution available. Our firm serves people throughout Miami-Dade, Broward, and Palm Beach Counties, as well as elsewhere in South Florida, assisting with all types of insurance claim needs.

The aftermath of a car accident is often chaotic, with victims unsure of the proper protocols to follow in trying to sort out the details. A few steps to keep in mind may be important to preserving your insurance claim after a collision. Taking photos is important in gathering evidence that may be helpful to determine what occurred; this includes photos at the scene and photos of any injuries sustained. It is also advisable to keep any statements limited to the facts and avoid the instinct to apologize, which could have an impact on liability determinations.

Following medical treatment for your injuries, you should also immediately contact your insurer to initiate a claim. You should not give a recorded statement prior to consulting an attorney, since these statements may be used to contradict your later account, and memories may be muddled in the immediate aftermath of an accident. In the days and weeks that follow, it is also important to review your insurance policy to familiarize yourself with your rights. In Florida, motorists must carry insurance policies with personal injury protection (PIP) coverage to cover the costs associated with medical care of drivers or their passengers who have been injured in an accident. Motorists must have a minimum of $10,000 in PIP coverage. However, Florida only requires some motorists to obtain bodily injury coverage to account for the costs of injuries to other people when they are at fault for an accident. There are also no minimums required regarding uninsured motorist coverage.

Since this is a no-fault state, Florida insurers are required to pay policyholders’ claims no matter who is found liable for causing a collision. This compensation includes payment for medical expenses and other covered losses. Legal claims, however, may be pursued against a negligent driver who has caused an accident when the insurance policy limits are not enough to cover the costs of a victim’s harm. Consulting an experienced insurance claims attorney is important to ensuring that the proper steps are taken following a car accident.

Interacting with large insurance companies following a car accident may seem daunting. The Miami lawyers at the Law Offices of Robert Dixon understand the stress that these dealings can cause, and we are available to guide you through the claims process. If you or a loved one has been injured in a serious car accident, and you have questions regarding your insurance claims, call 877.499.4878 or contact us online to set up a free, no-obligation consultation to learn more about our legal services and how we can help. Our attorneys represent victims in Miami, West Palm Beach, and other South Florida cities. We do not require fees unless we obtain a settlement or verdict on your behalf.