After An Accident, Do Not Wait To Get Trusted Help

Knowledgeable Attorneys For Car Insurance Disputes

Like most other jurisdictions, Florida has a mandatory auto insurance law. That’s good news for victims, as this law increases the amount of compensation available. But the news is not all good. Florida also has one of the lowest insurance minimum requirements in the country. That low requirement, as well as the different types of insurance, has a significant effect on wrongful death and many other legal damages claims.

The experienced car insurance lawyers at Piccin & Glynn do more than fight for victims in court. We give families in Ocala, across Marion County and central Florida the tools they need to navigate through complex personal injury cases and make the best possible decisions.

Answering Common Questions On Car Insurance Disputes In Florida

As part of this mission, we want to point out that the types of auto insurance are more than just numbers on a declaration page. Insurance nuances can have a significant and lasting effect on your family’s well-being. Below are some answers to common questions on car insurance in Florida and disputes that can arise. You can get immediate answers to your insurance questions by calling our law firm now at 352-558-8480.

What is liability coverage?

There are two types of “liability” coverages in Florida.  The first kind is “property damage liability” coverage.  This is required on all Florida auto policies and will pay for repairs to your vehicle if another person caused the accident.

The other type of liability coverage is “bodily injury liability” coverage.  This coverage will pay for personal injuries you may sustain, as well as other damages such as lost wages and mental pain and suffering, if another person caused the accident.  This bodily injury liability coverage is, unfortunately, not required in Florida.  This means that many people are driving in Florida without coverage to pay for personal injuries you may sustain.  The lack of mandatory bodily injury liability coverage is the reason that you should always purchase what is called “UM” insurance, which stands for uninsured or underinsured motorist coverage.

What is collision coverage?

If the vehicle has a lien, most owners have collision coverage. Most lenders require such policies in order to protect the collateral. Collision coverage pays for damages to your vehicle if you were at fault for the crash.

What is comprehensive coverage?

Most lenders also require comprehensive coverage. It pays for non-crash-related losses, such as fire or theft losses. Like other types of coverage, vehicle owners must usually pay a deductible before the insurance company pays for any damages.

What is uninsured/underinsured motorist coverage?

As the name implies, UM fills in the payment gap if the tortfeasor was uninsured or underinsured. UM coverage may also apply in hit-and-run accidents. Florida has the highest percentage of uninsured motorists in the country, so UM often comes in handy in the Sunshine State.

What are personal injury protection (PIP)/medical payments?

Since Florida is a no-fault state, PIP is mandatory. This policy pays for immediate medical expenses and will be utilized before any other insurance coverage is utilized despite who was at fault for an accident. PIP may also compensate for other economic losses, such as physical rehab costs, lost wages and babysitting services and costs of going to and from accident related medical appointments.

Medical payments coverage works in much the same way, except it usually applies to yourself and passengers in your vehicle. If you do not have medical payments coverage, and many people do not, don’t fret. Our attorneys can negotiate with medical providers to lower your costs and arrange for you to get treatment without paying anything upfront.

Can I dispute a denial of my car accident claim by the insurance company in Florida?

Yes, you have the right to dispute a denial. Consult with our Ocala car accident lawyers to review your case, gather evidence, and challenge the insurance company’s decision.

Can I challenge a low settlement offer from the insurance company in Ocala?

Absolutely. Our car accident lawyers in Ocala can assess the fairness of the offer and negotiate on your behalf to secure a settlement that accurately reflects your damages.

How long do I have to file a lawsuit against the insurance company after a car accident in Florida?

In Florida, the statute of limitations for car accident lawsuits is typically four years. But it’s crucial to act promptly to protect your rights because evidence — and witnesses — can disappear quickly. Contact our Ocala attorneys for guidance.

What if the at-fault driver’s insurance coverage is insufficient to cover my damages?

If the at-fault driver’s coverage is insufficient, you may be able to seek compensation from your own insurance policy. Our Ocala car accident attorneys can help explore your options.

Team Up With Experienced Car Insurance Lawyers

Knowing the different types of insurance helps you decide what coverage level is best for your family. For a free consultation with an experienced car insurance lawyer, contact Piccin & Glynn. You can call us now at 352-558-8480 or contact us by sending an email. Home and hospital visits are available.