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Click to call us at (954) 568-3636

Will My Car Insurance Go Up After an Accident in Florida?

With warm weather, sunny beaches and plenty of outdoor activities, Fort Lauderdale attracts thousands of visitors daily. Whether a local or tourist, however, large crowds and heavy traffic increase the risk of accidents. Nobody wants to plan for a car accident on his or her beach vacation, but it is an unfortunate reality for many people’s lives. One of the worst fears after a car accident is that insurance premiums will increase. If you are in an accident in Fort Lauderdale, contact the car accident lawyers at David I. Fuchs, Injury & Accident Lawyer, P.A. to discuss your situation with an experienced personal injury attorney.

Understanding Who is at Fault

Florida is a no-fault insurance state. This means, after an accident, nobody receives blame for causing the incident (in the eyes of the insurance companies and the law). It is for this reason that Florida residents must have Personal Injury Protection insurance, as the insurance companies must provide coverage for damages.

While fault is a non-issue for paying damages, it does have implications in other aspects of insurance and claims following an auto accident. Litigants pursuing a personal injury claim in Florida, for example, will need to establish fault in order to receive damages. Fault in the context of injury cases refers mostly to the concept of negligence – where one motorist willfully failed to follow safe driving laws, or knowingly endangered another driver.

PIP Insurance

Personal Injury Protection, or PIP, insurance is a special requirement for all Florida drivers. The intent behind this coverage is to pay out in the event of accidents, regardless of who is at fault for the collision. PIP, however, pays a maximum of 80% of medical expenses as well as 60% of lost wages should the injury cause you to lose work.

Following a crash or accident that uses PIP insurance, your premiums should not increase. As PIP is no-fault, it pays out irrespective of who causes an accident. Insurance companies cannot raise insurance rates without a legally valid reason, and using PIP is not an excuse.

PIP payments or eligible payments reduce final payments from all personal injury settlements.

Contact Your Car Insurance Provider

You should always file an incident report and claim with your insurance provider after an accident, no matter how big or small it may have been. This is often a requirement imposed by the insurance companies as well, and failing to report a collision may forfeit your coverage.

Many drivers involved in an accident will try to hide the event from their providers, believing that it will increase their insurance rates. This should not happen in most circumstances, particularly if you are not at fault.

Limitations

Insurance companies must have a legal and valid reason to raise your rates. If your insurance company deems you at fault, or partially at fault, for an accident, they considered it a reason to raise rates. This is regardless of whether or not you use your insurance, as you must still report the incident to the company.

Contact a Car Accident Attorney Today!

After a car crash, your number one priority is your own safety. Once you have received adequate medical care, you may want to consider speaking with an attorney about your case. Whether you press charges or not, an experienced lawyer can best advise you on your requirements and situation. Having an attorney is also protection against abuses from the insurance company. Remember, it is illegal for insurance companies to cancel your policy without adequate reason.

If you were recently in an accident and experienced a rate change or cancellation from your insurance company, contact David I. Fuchs, Injury & Accident Lawyer, P.A. today to set up your free consultation.

David I. Fuchs is a personal injury attorney in Fort Lauderdale and the founder of David I. Fuchs, Injury & Accident Lawyer, P.A. David has an extensive background representing plaintiffs in personal injury cases and has been practicing law for over three decades.

David I Fuchs

Attorney at Law, David I Fuchs, Injury & Accident Lawyer, P.A.

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Client Testimonials

Saarina Polanco
Saarina Polanco
2024-05-09
Yo recomiendo éste avoga son muy bueno cien por ciento 👍👍👍💯💯💯
Fabio Varens
Fabio Varens
2024-04-18
David I. Fuchs comes highly recommended for anyone in need of a top-notch accident attorney in Fort Lauderdale. With over three decades of experience, his firm is known for its client-focused approach, maintaining strong communication and offering personalized legal strategies. They are particularly adept at negotiating with large insurance companies and handling complex courtroom cases. A great choice for effective and compassionate legal representation.
Ethan Cohen
Ethan Cohen
2024-02-07
Great accident lawyer. Gave us invaluable advice when an air conditioning truck hit my car
Israel Andrade
Israel Andrade
2024-02-05
I cannot speak highly enough of Dr. David I. Fuchs, the injury law expert in Fort Lauderdale. When I urgently needed legal guidance, he was on the spot, providing precise and honest information. David's quick responsiveness, combined with his accuracy and transparency, made a significant impact during a challenging time I was facing due to a total loss in a car accident. I greatly appreciate his professionalism and recommend his services to anyone seeking a trustworthy and reliable injury law attorney in South Florida.
Darcy Israel
Darcy Israel
2024-02-01
They did a great job with keeping me updated with my case. I would refer them to anybody in the future.
Matthew S.
Matthew S.
2024-01-27
I just want to say thank you to Mr. Fuchs he personally took a call on Saturday and due to the nature of circumstances he was not able to take the case but he provided me with the proper means to go about the case and offered any advice that he can give along the way for my situation. Thank you for listening and your support.
tom neenan
tom neenan
2024-01-26
Mr. Fuchs handled my case fast and always got back to me to explain all details. I recommend his friendly demeanor and kindness. I felt like family. Thank you very much for the service and wonderful settlement.
Wendy Janet Mendez
Wendy Janet Mendez
2024-01-26
I recommend The Law Offices of David Fuchs. They are very professional and care about their clients. I got into a car accident and the whole process was really smooth.
Lynne N.
Lynne N.
2023-11-14
David Fuchs and his staff were consummate professionals when I needed a law office to represent my injury case. They communicated the process in detail and kept me apprised of the progress as necessary. It was a relief to be able to rely on them during a stressful time. It was nice to have the personalized attention of a smaller law firm as my champion.
CG
CG
2023-11-06
When you’re involved in an accident and have injuries you need an attorney who is experienced AND who will give you the personal attention you need. You want someone who the insurance companies know won’t just accept any offer to make a commission. That's what separates Mr. Fuchs from the rest, especially the large law firms. He knows the law and he will fight for you like you are a member of his family. I highly recommend him to anyone who has been in an accident and needs aggressive representation for their injuries and other financial losses that happen as a result!

We’ve Recovered Hundreds of Millions of Dollars for Clients.

$125,000

Premises Liability

$125,000

Negligent Supervision

$120,000

Hotel Slip & Fall

$250,000

Car Accident in Broward County

$1.8 Million

Traumatic Brain Injury

$325,000

Multi-Vehicle Accident

$300,000

Motorcycle Accident

$225,000

Wrongful Death

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