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Car Insurance Questions After an Accident

Posted in Car Accidents,Personal Injury on March 27, 2019

Car accidents are extremely scary, and knowing what to do in the aftermath of a crash can be confusing. If you were injured or your car incurred damaged in a crash, you likely want to know the answers to your car insurance questions. You might be wondering how to file a car insurance claim, and even whether an insurance payout will adequately cover your injuries and property damage.

A Fort Lauderdale car accident attorney at the Law Offices of David I. Fuchs can help you. Attorney David Fuchs is knowledgeable about Florida auto insurance laws, and he’s ready to take on your case. To schedule a free, initial evaluation, call (954) 568-3636 today, or reach out through the online form.

Common Questions after a Crash

Some common questions people have about car insurance in Florida and what to do following an accident include:

How do Florida auto insurance laws work?

Florida is one of only 12 states that follow no-fault insurance rules for car insurance claims. What this means is that if you are in a crash, your own insurance company will pay your insurance claim for injuries, even if the other driver was responsible. You can only seek damages beyond your insurance company claim if certain conditions are met. For example, if you have been permanently disabled, physically scarred, disfigured, or otherwise severely injured, you can sue outside of the no-fault system. As far as damage to your car goes, you can make a claim against the at-fault driver’s insurance.

What should I do immediately after a crash?

Call 911 if there anyone incurred injuries as the result of an accident. Exchange contact, driver’s license, and insurance information with the other driver or drivers involved. Get witness statements, if possible. Give a report to the police explaining what happened. Be truthful in your statement to police, but don’t admit fault after a crash. Even if you feel you may have been partially responsible, let the investigation take its course and wait for all the facts to come in. Accidents happen quickly, and your memory of what happened may not be accurate. Also, be sure to see a doctor after the accident. Even if you don’t feel you were injured, sometimes problems requiring medical treatment show up later. If you forgo seeing a doctor and an injury is present, it might be harder to get compensation for your medical treatment later on.

When should I notify my insurance company about the accident?

Notify your insurance company as soon as possible following your accident. Take a look at your policy, which should tell you exactly how long you have to file a claim. Report what happened, but again – don’t admit fault. The insurance company will begin an investigation and the processing of your claim.

Do I have to talk to the other driver’s insurance company?

You are not obligated to speak with the other driver’s insurance company. If the other driver’s insurer contacts you, refer them to your Fort Lauderdale car accident attorney, or to your own insurance company. Anything you might say to the other driver’s insurance company may not be to your benefit later if you decide to bring a suit, or if one is brought against you.

What happens once I accept an insurance company settlement?

So before accepting an offer, be sure that it fairly compensates you for your medical bills, possible future medical expenses, and other damages related to your injuries. If you don’t feel the settlement is fair, you have the right to turn it down and try and negotiate a better amount. Most people aren’t used to negotiating with insurance companies, which is where an experienced personal injury attorney can help.

Still Have Car Insurance Questions? Contact an Attorney Today

When you are recuperating from injuries caused by a car accident, dealing with car insurance companies can feel highly stressful and overwhelming. Attorney David Fuchs has experience handling insurance company settlements, and he’s ready to help you. To schedule a free consultation of your case, contact the Law Offices of David I. Fuchs today at (954) 568-3636.