In most states, car insurance is a requirement; and usually even if it isn’t, responsible motorists end up buying it anyway. If you have bought and sold multiple cars previously, purchasing insurance may seem like a routine task that you try to do as quickly as possible, while spending as little as possible. Before checking off all the required items, writing a check, and going on your way though, take some time to get educated on what you really need. Envision what could happen in the event of a serious accident. Are you going to be sufficiently covered, or is there the possibility you could be left holding the bag financially?
In Florida, you must have car insurance to register a vehicle with four wheels, and there are standard coverages you must purchase from your insurer, to include minimum personal injury protection (PIP) of $10,000 and property damage liability (PDL) of $10,000. Additions like uninsured motorist coverage could mean the difference between having damage paid for or not if you are in a car crash with someone who for some reason does not have enough bodily injury liability insurance. This type of coverage, usually quite affordable, can help in the case of a hit and run driver too, eliminating the need for you to pay out for a vehicle damage claim you weren’t responsible for in the first place after an accident
If you have been in a car accident, you may also need help dealing with the other party’s insurance company. While they may seem extremely eager to speak with you and resolve your claim, it is rare that they are considering your best interest in any way. Hire a skilled injury attorney from Heintz & Becker to help you get the compensation you deserve, and when adjusters call, refer them directly to your lawyer. Your priority should be on healing and dealing with insurance companies can be stressful. They may request to speak with you and tape record the conversation, request medical documents from you, and even present you with a low-ball settlement—or worse, a major delay or denial.
If you or a loved one have been injured in a car accident due to the negligence of another driver, contact the attorneys at Heintz & Becker. We’ve helped victims from Bradenton, Sarasota, and all over Florida get compensation for their damages and medical expenses after accidents. Call us for a free consultation now at 941-748-2916 or contact us online. We are here to help!
All blogs are written on behalf of Heintz & Becker for informational purposes. These articles should not, however, be considered legal advice, or in any way responsible for creating an attorney/client relationship.