On any given day, in any given Florida city, hundreds of car accidents occur. Many of these collisions will result in a serious injury, and some will even cause a death.
Who was at fault in the accident? Are you entitled to compensation from your own, or the other driver’s, insurance company? How much compensation is appropriate for your injuries, and how will they affect you for the rest of your life?
It is only possible to answer these questions through the hard work of a car accident claims lawyer. At Your Insurance Attorney, we strive to protect your rights so that you get the compensation that you deserve. We don’t get paid a penny until you do, so you can trust us to do our utmost to fight for your cause.
Frequently, crashes simply occur when a driver isn’t paying sufficient attention to the road. Whether they are daydreaming or texting on their phone, accidents caused by driver negligence are incredibly common.
Other accidents occur through poor driving skills or a lack of road rules knowledge. Some drivers let road rage overtake them behind the wheel, leading them to behavior that endangers themselves and others.
Then, there are the drivers who are under the influence of drugs or alcohol, or otherwise incapacitated. They have no business being behind the wheel, but because there was no one to stop them, they become responsible for the injuries and deaths of others.
Car accident claims suggest that the injuries sustained by victims run from the superficial to the life-threatening. Some people suffer only minor cuts and bruising, which means that they may be able to recover relatively quickly.
Most people are less fortunate. They incur both visible and invisible injuries that may affect them for months, years, or even the rest of their life. Here are a few examples:
These injuries may require months or years of treatment and rehabilitation. Surgeries are costly, and so is the physical therapy that may be required. The bills pile up with alarming speed. It’s clear why it’s critical for insurance companies to compensate victims of car accidents.
A car accident claims lawyer must assess the other damages sustained by the a car crash victim. For instance, what if the victim is unable to return to their former employment? How can you determine the effect that this diminished earning capacity will have on the individual and its family?
Mental and emotional trauma must also be considered. Car accident victims may suffer the effects of post-traumatic stress disorder (PTSD) or feel increased anxiety. Panic attacks are common too. To what extent does this altered state interfere with the individual’s ability to not just function, but also to enjoy life?
What about the case where a collision results in a wrongful death? Surviving family members are left to cope with unimaginable loss, while also looking for ways to maintain their finances. Shouldn’t someone be there to help them?
All drivers are required by law to have valid car insurance. This should give everyone on the road a bit of peace of mind. However, this is where things get complicated.
Insurance companies are happy to collect monthly premiums, but they are less content to pay out on claims. Their purpose is to turn a profit, and paying out a lot of sizable claims runs contrary to that goal.
This is why insurance companies will fight every claim to pay out as little as possible. If they can, they will look for a technicality that allows them to deny the claim.
The insurance company has experts working for them who will evaluate car accident claims and the extent of your injuries before offering you compensation. It is common for the amount they offer to be far less than the cost of your medical expenses. Moreover, it may inadequately compensate you for diminished earning capacity, mental anguish and the inevitable emotional toll.
The expenses associated with a car accident are many. From medical bills to missed time at work, it’s not uncommon for crash victims to suffer a tremendous financial toll.
A further toll is exacted by the pain and suffering that arise from injuries. These injuries may make it hard to eat, sleep or work. It’s difficult to enjoy life, and it’s possible that you’ll never be able to return to favorite activities and pastimes.
How do you quantify everything that you lost in a car accident? It’s an impossible task for the average person, but for an expert, it’s just another day at the office.
Your Insurance Attorney has the knowledge and experience you need to determine just how much that car accident is actually costing you. What’s more, these dedicated legal professionals work with experts who determine the extent of damages and injuries from car accidents and how they will affect the victim for years to come.
While representatives from the insurance company are working hard to minimize your injuries, Your Insurance Attorney and its associated car claims experts are working toward proving just how extensive and debilitating your injuries are. This includes forecasting how your injuries will affect your ability to earn a living over the course of your lifetime.
Don’t settle for a lowball amount or suffer in silence when an insurance company denies your claim. Work with Your Insurance Attorney to review the accident, who was at fault and the extent of your injuries.
Your vehicle will be repaired once the insurance company at fault completes its liability investigation. This investigation includes, but is not limited to, reviewing the police report, speaking with their insured and speaking with the driver. This investigation can take anywhere from a couple of days to a couple of weeks.
Once the at fault insurance company completes its investigation it will either send someone out to do an estimate of the damage to your vehicle or request that you take photos of the damage to your vehicle and send it to them.
If you do not want to wait for the at fault insurance company to complete its investigation, you can use your collision coverage on your own auto insurance policy, if you have it.
DO NOT speak with any insurance companies, not even your own insurance company. Contact our office immediately advising us that you received an insurance call.
A police report is typically available within 7 business days after your accident.
In the state of Florida, your auto insurance company pays up to $10,000 towards your medical bills that pertain to your medical treatment as it relates to the injuries you sustain in this accident. This is the case whether it is your fault or not.
Each case is different. It is not possible to provide a number, or even an estimate, from the onset of any case.
Once you have completed your medical treatment, we will send a demand letter to the insurance company at fault, which will include all of your medical records and bills. Once the insurance company receives the demand, they have about 30 days to respond to our offer to settle with a counter offer or acceptance. We will then contact you to discuss the offer presented and what the next step would be in our negotiation process.
Every case is different. However, most cases take approximately 6 months to a year. If we have to file suit, it may take longer.