Fighting for our clients
is our highest priority
WP_Query Object
(
[query] => Array
(
[libraries] => motor-vehicle-accidents
)
[query_vars] => Array
(
[libraries] => motor-vehicle-accidents
[error] =>
[m] =>
[p] => 0
[post_parent] =>
[subpost] =>
[subpost_id] =>
[attachment] =>
[attachment_id] => 0
[name] =>
[pagename] =>
[page_id] => 0
[second] =>
[minute] =>
[hour] =>
[day] => 0
[monthnum] => 0
[year] => 0
[w] => 0
[category_name] =>
[tag] =>
[cat] =>
[tag_id] =>
[author] =>
[author_name] =>
[feed] =>
[tb] =>
[paged] => 0
[meta_key] =>
[meta_value] =>
[preview] =>
[s] =>
[sentence] =>
[title] =>
[fields] =>
[menu_order] =>
[embed] =>
[category__in] => Array
(
)
[category__not_in] => Array
(
)
[category__and] => Array
(
)
[post__in] => Array
(
)
[post__not_in] => Array
(
)
[post_name__in] => Array
(
)
[tag__in] => Array
(
)
[tag__not_in] => Array
(
)
[tag__and] => Array
(
)
[tag_slug__in] => Array
(
)
[tag_slug__and] => Array
(
)
[post_parent__in] => Array
(
)
[post_parent__not_in] => Array
(
)
[author__in] => Array
(
)
[author__not_in] => Array
(
)
[ignore_sticky_posts] =>
[suppress_filters] =>
[cache_results] => 1
[update_post_term_cache] => 1
[update_menu_item_cache] =>
[lazy_load_term_meta] => 1
[update_post_meta_cache] => 1
[post_type] =>
[posts_per_page] => 6
[nopaging] =>
[comments_per_page] => 50
[no_found_rows] =>
[taxonomy] => libraries
[term] => motor-vehicle-accidents
[order] => DESC
)
[tax_query] => WP_Tax_Query Object
(
[queries] => Array
(
[0] => Array
(
[taxonomy] => libraries
[terms] => Array
(
[0] => motor-vehicle-accidents
)
[field] => slug
[operator] => IN
[include_children] => 1
)
)
[relation] => AND
[table_aliases:protected] => Array
(
[0] => wp_term_relationships
)
[queried_terms] => Array
(
[libraries] => Array
(
[terms] => Array
(
[0] => motor-vehicle-accidents
)
[field] => slug
)
)
[primary_table] => wp_posts
[primary_id_column] => ID
)
[meta_query] => WP_Meta_Query Object
(
[queries] => Array
(
)
[relation] =>
[meta_table] =>
[meta_id_column] =>
[primary_table] =>
[primary_id_column] =>
[table_aliases:protected] => Array
(
)
[clauses:protected] => Array
(
)
[has_or_relation:protected] =>
)
[date_query] =>
[queried_object] => WP_Term Object
(
[term_id] => 36
[name] => Motor Vehicle Accidents
[slug] => motor-vehicle-accidents
[term_group] => 0
[term_taxonomy_id] => 36
[taxonomy] => libraries
[description] => Our legal library is full of informative articles about car, truck, and motorcycle accidents, as well as drunk driving crashes and hit and run accidents. We maintain this collection of articles to provide a reliable source of information for injured victims hoping to arm themselves with knowledge.
[parent] => 0
[count] => 16
[filter] => raw
)
[queried_object_id] => 36
[request] =>
SELECT SQL_CALC_FOUND_ROWS wp_posts.ID
FROM wp_posts LEFT JOIN wp_term_relationships ON (wp_posts.ID = wp_term_relationships.object_id)
WHERE 1=1 AND (
wp_term_relationships.term_taxonomy_id IN (36)
) AND ((wp_posts.post_type = 'library' AND (wp_posts.post_status = 'publish' OR wp_posts.post_status = 'acf-disabled')))
GROUP BY wp_posts.ID
ORDER BY wp_posts.post_date DESC
LIMIT 0, 6
[posts] => Array
(
[0] => WP_Post Object
(
[ID] => 1229
[post_author] => 6
[post_date] => 2022-01-26 15:25:50
[post_date_gmt] => 2022-01-26 15:25:50
[post_content] => Let’s face it, no one wants to deal with insurance companies, especially after a car accident. With all the stress that comes along with car accidents, you may ask yourself 
which headaches you can avoid, and which ones are necessary to properly handle your situation. But do you have to talk to insurance companies after an accident? This article will tell you when it is and isn’t necessary to speak with insurance investigators.
What Are Insurance Agents Looking For?
Most of the time, insurance agents are trying to find the facts of a case, but they are also constantly on the lookout for fraud. Fraudulent cases happen when people file false claims or claims including untrue information in an attempt to profit from an insurance policy. If a claim is deemed fraudulent, the filer can be dropped from their insurance policy or even charged with a criminal offence. Because fraud is taken so seriously, insurance investigators will contact you to ask for personal information including driving history, financial records, proof of registration and more. It is also the insurance investigator’s job to determine who is at fault in an accident which is another reason why they ask these questions, but are you required to aid in these investigations?
When Do I Have to Talk to the Insurance Company?
Now that you know what the insurance company is looking for and why, you can determine whether or not you have to talk to them after your car accident. The simple answer is, yes, if it is your insurance company you must share the details of your car accident with them. Under the duty of the utmost good faith clause in your insurance contract, you are obligated to share the honest details of your accident. In addition to this, per your insurance contract, your conversation with your insurance provider must be recorded and used as evidence in the investigation. The good news about this is that your insurance company is most likely trying to prove that you were not at fault.
On the other hand, if the other party’s insurance company contacts you, you do not have an obligation to speak with them. In fact, it is strongly advised that you do not speak to the other party’s insurance company (unless you have counsel) because they are most likely trying to prove that you are the at fault party. This is especially true if the insurance company attempts to record the conversation.
Let’s Recap
It’s the job of insurance investigators to find out the details of a claim, but you should only ever talk to your own insurance agent after a car accident. The investigator from the other party’s insurance company is most likely looking for evidence to prove that the accident was your fault, so it is in your best interest to refrain from speaking to them unless you have a lawyer present.
Have You Been Injured In A Florida Car Accident?
If you've been hurt in a car accident you need to speak with an experienced Florida car accident lawyer as soon as possible. Please contact us online or call our Coral Springs office directly at 954.755.7803 to schedule your free consultation. We proudly serve Florida residents including all of Fort Lauderdale, Boca Raton, Miami-Dade County, Broward County, Palm Beach County and all points in between.
[post_title] => Do I Have To Speak To Insurance After An Car Accident?
[post_excerpt] =>
[post_status] => publish
[comment_status] => closed
[ping_status] => closed
[post_password] =>
[post_name] => do-i-have-to-speak-to-insurance-after-an-auto-accident
[to_ping] =>
[pinged] =>
[post_modified] => 2022-12-01 15:35:36
[post_modified_gmt] => 2022-12-01 23:35:36
[post_content_filtered] =>
[post_parent] => 0
[guid] => http://rlf.flywheelsites.com/library/do-i-have-to-speak-to-insurance-after-an-car-accident/
[menu_order] => 0
[post_type] => library
[post_mime_type] =>
[comment_count] => 0
[filter] => raw
)
[1] => WP_Post Object
(
[ID] => 1231
[post_author] => 6
[post_date] => 2022-01-26 15:25:50
[post_date_gmt] => 2022-01-26 15:25:50
[post_content] => One of the worst things about getting into a car accident is having your car damaged and out of commission. This is even worse when you only have one car in your household. Going to work, picking up the kids from school, grocery shopping, and all the other normal aspects of life become so much harder without a reliable form of transportation. So, what are you supposed to do when your car is totaled and you don’t have another one? This article will talk about your options when you have a one car household and you’ve been in a car accident.
Collision Coverage vs Liability Coverage
One of the best things to have in an insurance policy is collision coverage. Collision coverage differs from liability coverage in that it handles repairs or replacement of your car during an accident regardless of who is at fault. Liability coverage on the other hand, only covers the other person’s car in an accident where you are the at fault party.
Problems with Using the Other Driver’s Insurance
Now that you know about collision coverage and liability coverage you may be saying, “If I am not at fault, why don’t I just replace my vehicle through the other person’s liability coverage?” There are a few reasons against going this route. For one, it is not guaranteed that the driver you got into the accident with even has liability coverage. If this is the case, then you won’t be able to replace your car though their insurance.
Another problem is that it takes an incredibly long time to go through another person’s insurance company to replace your vehicle. When going through the other driver’s insurance, the insurance company has to first determine who is at fault which means a full investigation. These kinds of investigations can take weeks of gathering information and going through records. If it is determined you are not at fault, the other driver’s insurance company will then send out an adjuster to determine the damages and that will take even more time to schedule. The only positive aspect of going through the other driver’s insurance is that you won’t have to pay out of pocket, but the extensive time it takes to obtain a vehicle will make day to day activities nearly impossible if your single mode of transportation is out of commission.
Why Use Your Own Insurance?
The fastest way to replace your vehicle after an accident is going through your own insurance and using your collision coverage. Collision coverage will help to repair or replace your car after a car accident. The only down side to this is that there is a deductible that you will have to pay out of pocket before you can use your collision coverage. Because collision coverage takes effect regardless of who is at fault, you won’t have to wait for an investigation before you use it, so it will not take much time to replace your vehicle. And if it is determined that you are not at fault, the liable driver’s insurance will reimburse you for your deductible. So if you need a car immediately and don’t have time to wait around for another driver’s insurance to drag their feet on getting you a car, this is the best route to take.
Let’s Recap
If you don’t have collision coverage, you should strongly consider getting it in case you are in a car accident that damages your vehicle beyond use. This is especially true if you only have one car in your household and need transportation to complete every day activities. Once you are in a car accident and need a replacement vehicle, you can go through the other driver’ insurance, but it will take weeks that you may not have to spare. The fastest way to replace or repair a car after an accident is using your collision coverage.
Have You Been Injured In A Florida Car Accident?
If you've been hurt in a car accident you need to speak with an experienced Florida car accident lawyer as soon as possible. Please contact us online or call our Coral Springs office directly at 954.755.7803 to schedule your free consultation. We proudly serve Florida residents including all of Fort Lauderdale, Boca Raton, Miami-Dade County, Broward County, Palm Beach County and all points in between.
[post_title] => After A Car Accident How Do We Get Our Car Fixed Quickly?
[post_excerpt] =>
[post_status] => publish
[comment_status] => closed
[ping_status] => closed
[post_password] =>
[post_name] => in-an-auto-accident-how-do-we-get-our-car-fixed-quickly
[to_ping] =>
[pinged] =>
[post_modified] => 2022-12-01 15:37:14
[post_modified_gmt] => 2022-12-01 23:37:14
[post_content_filtered] =>
[post_parent] => 0
[guid] => http://rlf.flywheelsites.com/library/after-a-car-accident-how-do-we-get-our-car-fixed-quickly/
[menu_order] => 0
[post_type] => library
[post_mime_type] =>
[comment_count] => 0
[filter] => raw
)
[2] => WP_Post Object
(
[ID] => 1233
[post_author] => 6
[post_date] => 2022-01-26 15:25:50
[post_date_gmt] => 2022-01-26 15:25:50
[post_content] => A police report is probably the last thing on your mind when you get into a car accident. You’re most likely worried about your safety, the safety of your passengers, and damage to your vehicle, but calling the police and obtaining a report is an important step you shouldn’t skip after your motor accident.
Should I Call the Police After My Car Accident?
Yes! The short answer to this question is absolutely. You should call the police immediately after you are in a car accident.
This might seem like common knowledge for some, but many people still have questions about why obtaining a police report is so important. What if no one is hurt? What if the damage is minor? The other driver gave me their insurance information, why do we need to get the police involved? The answers to these questions are a little more complicated and involve things you may not think about during the stress of an auto-accident.
Your Insurance Company Needs a Police Report
Whether or not there is significant damage to your vehicle or the vehicle of the other driver, your insurance company needs to determine who is at fault. If there is no police report available, the only things they have to go off of is your word and the word of the other driver. This will easily turn into a he said/she said case with no real evidence. The police report is your hard evidence of what actually happened.
Once the police arrive at the scene of an accident, they take a report of what you said happened and what the other driver said happened, but they also include other factors in their report that help insurance companies determine liability such as, weather conditions, other passengers in the vehicle, speed limit, witnesses, and other influences.
Think of the police report as an objective third party witness. The other driver, passengers, and even you all have a stake in an auto accident, but the police report’s sole purpose is to report what happened. The insurance company will use this information to make an informed decision on which party is at fault.
What if No One is Hurt in The Car Accident?
Immediately after a car accident, your first instinct is to check if you are okay. Am I in pain? Does my neck hurt? What about my back? Unless the accident is major, the usual pain after an auto accident is minor, maybe a slight twinge in the neck or back. It usually feels like something that will go away with an ice pack or hot shower. Unfortunately, this isn’t usually the case.
More often than not, the full extent of an auto accident isn’t felt until a day or two after the car accident itself. These injuries at first feel like something that can easily be walked away from but can grow into something debilitating. What at first felt like a slight twinge has exploded into pulsing pain that won’t go away. This is another reason for a police report.
You don’t want to deal with paying the medical cost of a car accident on top of the stress and anxiety of the accident itself. Once the police arrive, report any pain, no matter how small, so they can include it in their report and get checked out by a doctor or hospital. The reports filed by the police will determine liability and if you are injured, then you can get compensated from the other person’s bodily injury coverage. Once again, the police report will serve as evidence for you later, so you are not stuck paying out of pocket for an injury that is not your fault.
Let’s Recap
Yes, you should definitely call the police after an auto accident. In the long run, it will mean less stress and money out of your own pocket due to the negligence of another person. The police report will act as proof of what happened so that your insurance and the other person’s insurance can determine who is at fault. Even if you exchange insurance information, and even if you don’t immediately see any injuries, you want to make sure that you are covered down the line and a police report is one of the best ways to do so.
Have You Been Injured In A Florida Car Accident?
If you've been hurt in a car accident you need to speak with an experienced Florida car
accident lawyer as soon as possible. Please contact us online or call our Coral Springs office directly at
954.755.7803 to schedule your free consultation. We proudly serve Florida residents including all of Fort Lauderdale, Boca Raton, Miami-Dade
County, Broward County, Palm Beach County and all points in between.
[post_title] => The Importance of Police Reports
[post_excerpt] =>
[post_status] => publish
[comment_status] => closed
[ping_status] => closed
[post_password] =>
[post_name] => the-importance-of-police-reports
[to_ping] =>
[pinged] =>
[post_modified] => 2022-12-01 15:35:19
[post_modified_gmt] => 2022-12-01 23:35:19
[post_content_filtered] =>
[post_parent] => 0
[guid] => http://rlf.flywheelsites.com/library/the-importance-of-police-reports/
[menu_order] => 0
[post_type] => library
[post_mime_type] =>
[comment_count] => 0
[filter] => raw
)
[3] => WP_Post Object
(
[ID] => 1227
[post_author] => 6
[post_date] => 2022-01-26 15:25:49
[post_date_gmt] => 2022-01-26 15:25:49
[post_content] => UM Protection—What Is It? Why Do I Need It?
In a perfect world, everyone would have car insurance. In an even more perfect world, we wouldn’t have car accidents. Unfortunately, we don’t live in a perfect world. The truth is that there are millions of uninsured motorists driving on the road every day and the likelihood of getting in a car accident with someone who has no car insurance is higher than you might think. In Florida, more than 20% of drivers are uninsured. Not only that, but some motorists are dishonest and have fraudulent insurance and may give you information that is untrue or falsified. If this happens to you, you might think that you are completely out of luck, but that is not true. One of the best ways to protect yourself from uninsured or under-insured motorists is by investing in UM Protection.
What is UM Protection?
UM Protection stands for two things—Uninsured Motor Protection and Under-Insured Motor Protection. Essentially, UM Protection covers you in case you are in an accident with someone who does not have insurance or whose insurance does not cover your expenses. Uninsured Motor Protection is straightforward enough (it covers you in case the other driver has no insurance), but Under-Insured Motor Insurance might be a little trickier to understand.
Here’s an example of how Under-Insured Motor Protection can work for you:
Let’s say you are in a car accident and the driver gives you their insurance information. It is determined by your insurance company and through the police report that they are at fault and are financially responsible for your damages. Great! You are covered. The only problem is that your total loss for injuries, including medical bills, cost $50,000 but their insurance only covers $25,000 worth of damage. If you do not have UM Insurance, you will be stuck paying the other $25,000.
UM Protection is coverage given through your insurance company that takes care of costs that the other driver cannot cover either due to not having insurance or having enough coverage.
When Can I Use UM Protection?
In the case of injury to your person in an accident and the other driver is deemed at fault but has no insurance or is under-insured, UM Bodily Injury Coverage will pay for medical expenses. In any case, UM coverage only takes effect when the other driver is at fault and cannot pay for your expenses.
How Much Will UM Protection Cover?
A good thing to keep in mind when you are considering getting UM Protection is how much coverage you need. Remember not all coverages are created equally. If you have UM Protection that covers $20,000 and the at fault driver has bodily insurance but it only covers $15,000 and your expenses are $50,000 in total, you will still have to pay an additional $15,000 out of pocket. When you get UM Protection, it is best to plan for the worst-case scenario while also considering your budget and what works for you.
Let’s Recap
You need UM Protection, especially if you live in Florida because an abundant number of drivers are uninsured. UM Protection will cover your expenses if you are in a car accident and the at fault driver does not have insurance or is under-insured. There are different amounts of UM Coverage that range from $15,000 to $50,000 and upwards, but you have to get what works for your budget. The important thing is to have UM Protection so that you are protected against another person’s negligence.
Have You Been Injured In A Florida Car Accident?
If you've been hurt in a car accident you need to speak with an experienced Florida car
accident lawyer as soon as possible. Please contact us online or call our Coral Springs office directly at
954.755.7803 to schedule your free consultation. We proudly serve Florida residents including all of Fort Lauderdale, Boca Raton, Miami-Dade
County, Broward County, Palm Beach County and all points in between.
[post_title] => UM Protection In An Auto Accident - What Is It, Do I Need It
[post_excerpt] =>
[post_status] => publish
[comment_status] => closed
[ping_status] => closed
[post_password] =>
[post_name] => um-protection-in-an-auto-accident-what-is-it-do-i-need-it
[to_ping] =>
[pinged] =>
[post_modified] => 2022-12-01 15:36:08
[post_modified_gmt] => 2022-12-01 23:36:08
[post_content_filtered] =>
[post_parent] => 0
[guid] => http://rlf.flywheelsites.com/library/um-protection-in-an-auto-accident-what-is-it-do-i-need-it/
[menu_order] => 0
[post_type] => library
[post_mime_type] =>
[comment_count] => 0
[filter] => raw
)
[4] => WP_Post Object
(
[ID] => 1209
[post_author] => 6
[post_date] => 2022-01-26 15:25:44
[post_date_gmt] => 2022-01-26 15:25:44
[post_content] => Why You Need GAP Car Insurance in Florida
There’s nothing like that feeling of driving off a car lot with your dream car. You’ve saved your money, placed your down payment, been approved for your auto loan, and now you are a car owner. Congratulations! Your dream has become a reality.
But something that isn’t so dream-like is the fact that each year, millions of cars are totaled in car accidents. Even worse is that many drivers lose money when their cars are totaled because they don’t have GAP insurance. Many people don’t even know what GAP insurance is, let alone why it's so important.
What Is GAP Car Insurance?
Simply put, GAP stands for Guaranteed Asset Protection and it is used when your car is totaled in a car accident, but insurance - whether your car insurance policy or the policy of the at-fault driver - will not pay the full amount of what you owe on your car loan. Right now, you may be saying, “But I have full coverage. Doesn’t that mean that I’m covered?” The answer is no.
A car insurance company is not required to pay off the balance you owe on your car loan, even if the car is totaled in an accident that was someone else's fault. They are only required to compensate you for the current value of the vehicle. Here’s an example of what that looks like:
Say you own a 2018 Toyota Camry. You bought the car for $24,000 and currently owe $20,000 on your car loan. Your vehicle was totaled in an accident, but the Kelley Blue Book value of your car is only at $16,000. The car insurance agency is only required to pay you $16,000, not the full $20,000 you owe on the car. This leaves you with $4,000 loss.
If you have GAP insurance, however, it should cover the remaining $4,000 so you are not paying out of pocket to pay back your car loan.
How Gap Insurance Helps You in A Car Accident in Florida
For most of us, being a car owner is an important goal once you hit your teenage years. It symbolizes adulthood and independence, but it also comes with risks. I’ve talked before about how dangerous Florida roads are and the importance of being insured, but even full-coverage car insurance doesn’t cover everything.
Getting into a Florida car accident is stressful enough but adding possible debt to the equation is taxing on the mind. Without GAP Insurance, there is no guarantee that you will receive the full value of your car. Because of this, if your vehicle is totaled in an accident, you may be left still paying a car loan for a car you no longer can drive.
Factors That Increase the Need for Gap Car Insurance in South Florida
You must keep in mind that if your car is totaled in an accident, your insurance company is only required to pay you the cash value of your car which is NOT the same as however much you might still owe on your car.
Also, remember that the value of your car decreases every day that it is off of the lot. There are a number of additional factors that can decrease the payout that Kelley Blue Book or other vehicle valuation companies suggest. These factors are all more reasons to invest in GAP insurance to protect your car.
If you have gap insurance, you can avoid rolling the loan amount from your totaled car into your new vehicle loan. Rolling in an old loan is an option that many people use when trading in a car or other similar scenarios. One of the problems with rolling an old loan into a new auto loan is that it decreases the cash value of the current car you are driving. If you roll an old car balance onto your current or new car's loan, then you should definitely consider GAP insurance to ensure you are covered if your car is totaled because your loan will not only include the value of your current car but also partial value from your old car.
Another factor that increases your need for GAP insurance is a high APR (annual percentage rate) on your car loan. Recall that with a high APR, most of your monthly payment is going toward the interest you owe on the vehicle and not the actual principal balance. This means that it will take you longer to pay off the car loan and you can end up owing more on the car than its actual value.
Let’s Recap: Why You should get Gap insurance for your car in Florida
Not many people know what GAP insurance is, but after reading this article, now you know it stands for Guaranteed Asset Protection and it covers you in the case where your car is totaled, and the cash value is less than what you owe on it. You also know the risk factors that heighten your need for GAP insurance and especially the need to have GAP insurance if you are a Florida driver. You can talk to your car insurance provider to see if gap insurance is something you can add to your policy, or you can usually purchase it independently as an additional insurance policy.
Have You Been Injured In A Florida Car Accident? We offer FREE consultations for Florida Car Accident victims
If you were hurt in a Florida car accident you need to speak with an experienced Florida car accident lawyer as soon as possible. Please contact us online or call our Coral Springs law office directly at 954.755.7803 to schedule your free consultation. We proudly serve Florida residents including all of Fort Lauderdale, Boca Raton, Miami-Dade County, Broward County, Palm Beach County and all points in between.
Call to schedule your free consultation today: (954) 755-7803
[post_title] => The Importance Of GAP Insurance In Florida Auto Accident
[post_excerpt] =>
[post_status] => publish
[comment_status] => closed
[ping_status] => closed
[post_password] =>
[post_name] => the-importance-of-gap-insurance-in-an-auto-accident
[to_ping] =>
[pinged] =>
[post_modified] => 2022-12-01 15:40:01
[post_modified_gmt] => 2022-12-01 23:40:01
[post_content_filtered] =>
[post_parent] => 0
[guid] => http://rlf.flywheelsites.com/library/the-importance-of-gap-insurance-in-florida-auto-accident/
[menu_order] => 0
[post_type] => library
[post_mime_type] =>
[comment_count] => 0
[filter] => raw
)
[5] => WP_Post Object
(
[ID] => 1205
[post_author] => 6
[post_date] => 2022-01-26 15:25:43
[post_date_gmt] => 2022-01-26 15:25:43
[post_content] => When BI (Bodily Injury) and UM (Uninsured and/or Under-Insured) come into play, they each have limits on how much money is available in the policy usually. Limits are extremely important to pay attention to because they allow you and your attorney to gage how much treatment you’re able to get if you want to ensure that it will all be paid for with a settlement. If you need an important surgery that is relevant to the injuries from your accident, your attorney will make sure the BI and/or UM limits are high enough to cover the cost of it.
The limits vary from policy to policy, and each state has it’s own requirements for the minimum limit an insurance policy can have. Of course, the more you pay for your insurance policy, the higher your limits will be; therefore, the more money you can get from your settlement. If the driver who hits you or the location where you had your slip and fall accident pays a lot for their insurance and their BI limits are fairly high, you’re in luck, those are generally the best cases.
Now, how to read and understand what your limits are? Well, they are portrayed in a pair of two numbers. For example, your insurance company informs you that your policy is a 10/20. Now you’re confused, right? So, it’s supposed to be read in thousands, meaning $10,000/$20,000. The first number is per person, while the second number is per accident. If it were just you in the car, the max amount you can get in compensation is $10,000. In accidents where there are multiple people in the car, the $20,000 would be divided amongst you and your companions in the vehicle. If you were 3 people in the car, you would not be able to get $10,000 each, you’d have to use the second number that’s per accident.
Just because you currently have 10/20, does not mean you cannot get it as high as you’d like (see blog on costs). Limits can be 100/300, which mean $100,000 per person and $300,000 per accident. Coverage can even be higher than 1 million sometimes. It’s important to have decent limits as part of your UM coverage because you never know when the at-fault’s BI will only have the 10/20 limit and your treatment will have to end up costing more than that.
Have You Been Injured In A Florida Car Accident?
If you've been hurt in a car accident you need to speak with an experienced Florida car
accident lawyer as soon as possible. Please contact us online or call our Coral Springs office directly at
954.755.7803 to schedule your free consultation. We proudly serve Florida residents including all of Fort Lauderdale, Boca Raton, Miami-Dade
County, Broward County, Palm Beach County and all points in between.
[post_title] => What's The Most You Can Get From Your Car Accident?
[post_excerpt] =>
[post_status] => publish
[comment_status] => closed
[ping_status] => closed
[post_password] =>
[post_name] => whats-the-most-you-can-get-from-your-car-accident
[to_ping] =>
[pinged] =>
[post_modified] => 2022-12-01 15:41:34
[post_modified_gmt] => 2022-12-01 23:41:34
[post_content_filtered] =>
[post_parent] => 0
[guid] => http://rlf.flywheelsites.com/library/whats-the-most-you-can-get-from-your-car-accident/
[menu_order] => 0
[post_type] => library
[post_mime_type] =>
[comment_count] => 0
[filter] => raw
)
)
[post_count] => 6
[current_post] => -1
[in_the_loop] =>
[post] => WP_Post Object
(
[ID] => 1229
[post_author] => 6
[post_date] => 2022-01-26 15:25:50
[post_date_gmt] => 2022-01-26 15:25:50
[post_content] => Let’s face it, no one wants to deal with insurance companies, especially after a car accident. With all the stress that comes along with car accidents, you may ask yourself which headaches you can avoid, and which ones are necessary to properly handle your situation. But do you have to talk to insurance companies after an accident? This article will tell you when it is and isn’t necessary to speak with insurance investigators.
What Are Insurance Agents Looking For?
Most of the time, insurance agents are trying to find the facts of a case, but they are also constantly on the lookout for fraud. Fraudulent cases happen when people file false claims or claims including untrue information in an attempt to profit from an insurance policy. If a claim is deemed fraudulent, the filer can be dropped from their insurance policy or even charged with a criminal offence. Because fraud is taken so seriously, insurance investigators will contact you to ask for personal information including driving history, financial records, proof of registration and more. It is also the insurance investigator’s job to determine who is at fault in an accident which is another reason why they ask these questions, but are you required to aid in these investigations?
When Do I Have to Talk to the Insurance Company?
Now that you know what the insurance company is looking for and why, you can determine whether or not you have to talk to them after your car accident. The simple answer is, yes, if it is your insurance company you must share the details of your car accident with them. Under the duty of the utmost good faith clause in your insurance contract, you are obligated to share the honest details of your accident. In addition to this, per your insurance contract, your conversation with your insurance provider must be recorded and used as evidence in the investigation. The good news about this is that your insurance company is most likely trying to prove that you were not at fault.
On the other hand, if the other party’s insurance company contacts you, you do not have an obligation to speak with them. In fact, it is strongly advised that you do not speak to the other party’s insurance company (unless you have counsel) because they are most likely trying to prove that you are the at fault party. This is especially true if the insurance company attempts to record the conversation.
Let’s Recap
It’s the job of insurance investigators to find out the details of a claim, but you should only ever talk to your own insurance agent after a car accident. The investigator from the other party’s insurance company is most likely looking for evidence to prove that the accident was your fault, so it is in your best interest to refrain from speaking to them unless you have a lawyer present.
Have You Been Injured In A Florida Car Accident?
If you've been hurt in a car accident you need to speak with an experienced Florida car accident lawyer as soon as possible. Please contact us online or call our Coral Springs office directly at 954.755.7803 to schedule your free consultation. We proudly serve Florida residents including all of Fort Lauderdale, Boca Raton, Miami-Dade County, Broward County, Palm Beach County and all points in between.
[post_title] => Do I Have To Speak To Insurance After An Car Accident?
[post_excerpt] =>
[post_status] => publish
[comment_status] => closed
[ping_status] => closed
[post_password] =>
[post_name] => do-i-have-to-speak-to-insurance-after-an-auto-accident
[to_ping] =>
[pinged] =>
[post_modified] => 2022-12-01 15:35:36
[post_modified_gmt] => 2022-12-01 23:35:36
[post_content_filtered] =>
[post_parent] => 0
[guid] => http://rlf.flywheelsites.com/library/do-i-have-to-speak-to-insurance-after-an-car-accident/
[menu_order] => 0
[post_type] => library
[post_mime_type] =>
[comment_count] => 0
[filter] => raw
)
[comment_count] => 0
[current_comment] => -1
[found_posts] => 16
[max_num_pages] => 3
[max_num_comment_pages] => 0
[is_single] =>
[is_preview] =>
[is_page] =>
[is_archive] => 1
[is_date] =>
[is_year] =>
[is_month] =>
[is_day] =>
[is_time] =>
[is_author] =>
[is_category] =>
[is_tag] =>
[is_tax] => 1
[is_search] =>
[is_feed] =>
[is_comment_feed] =>
[is_trackback] =>
[is_home] =>
[is_privacy_policy] =>
[is_404] =>
[is_embed] =>
[is_paged] =>
[is_admin] =>
[is_attachment] =>
[is_singular] =>
[is_robots] =>
[is_favicon] =>
[is_posts_page] =>
[is_post_type_archive] =>
[query_vars_hash:WP_Query:private] => 82f76960bd3bb8312a9f238a8759d979
[query_vars_changed:WP_Query:private] =>
[thumbnails_cached] =>
[allow_query_attachment_by_filename:protected] =>
[stopwords:WP_Query:private] =>
[compat_fields:WP_Query:private] => Array
(
[0] => query_vars_hash
[1] => query_vars_changed
)
[compat_methods:WP_Query:private] => Array
(
[0] => init_query_flags
[1] => parse_tax_query
)
)
• January 26, 2022
Let’s face it, no one wants to deal with insurance companies, especially after a car accident. With all the stress that comes along with car accidents, you may ask yourself which headaches you can avoid, and which ones are necessary to properly handle your situation. But do you have to talk to insurance companies after…
Read More• January 26, 2022
One of the worst things about getting into a car accident is having your car damaged and out of commission. This is even worse when you only have one car in your household. Going to work, picking up the kids from school, grocery shopping, and all the other normal aspects of life become so much…
Read More• January 26, 2022
A police report is probably the last thing on your mind when you get into a car accident. You’re most likely worried about your safety, the safety of your passengers, and damage to your vehicle, but calling the police and obtaining a report is an important step you shouldn’t skip after your motor accident. Should…
Read More• January 26, 2022
UM Protection—What Is It? Why Do I Need It? In a perfect world, everyone would have car insurance. In an even more perfect world, we wouldn’t have car accidents. Unfortunately, we don’t live in a perfect world. The truth is that there are millions of uninsured motorists driving on the road every day and the…
Read More• January 26, 2022
Why You Need GAP Car Insurance in Florida There’s nothing like that feeling of driving off a car lot with your dream car. You’ve saved your money, placed your down payment, been approved for your auto loan, and now you are a car owner. Congratulations! Your dream has become a reality. But something that isn’t…
Read More• January 26, 2022
When BI (Bodily Injury) and UM (Uninsured and/or Under-Insured) come into play, they each have limits on how much money is available in the policy usually. Limits are extremely important to pay attention to because they allow you and your attorney to gage how much treatment you’re able to get if you want to ensure…
Read More
which headaches you can avoid, and which ones are necessary to properly handle your situation. 
One of the worst things about getting into a car accident is having your car damaged and out of commission. This is even worse when you only have one car in your household. Going to work, picking up the kids from school, grocery shopping, and all the other normal aspects of life become so much harder without a reliable form of transportation. So, what are you supposed to do when your car is totaled and you don’t have another one? This article will talk about your options when you have a one car household and you’ve been in a car accident.
.jpg)
A police report is probably the last thing on your mind when you get into a car accident. You’re most likely worried about your safety, the safety of your passengers, and damage to your vehicle, but calling the police and obtaining a report is an important step you shouldn’t skip after your motor accident.
Once the police arrive at the scene of an accident, they take a report of what you said happened and what the other driver said happened, but they also include other factors in their report that help insurance companies determine liability such as, weather conditions, other passengers in the vehicle, speed limit, witnesses, and other influences.
Think of the police report as an objective third party witness. The other driver, passengers, and even you all have a stake in an auto accident, but the police report’s sole purpose is to report what happened. The insurance company will use this information to make an informed decision on which party is at fault.
