How should insurance matters be handled after a car crash?
Following a car crash, any injury you may have sustained is usually the first thing on your mind. Then you will think about the damage to your car. You will likely feel dazed, even if the accident was only a fender-bender, but you will eventually begin to wonder what your next steps should be.
You know you should report the accident to your insurance company, but what about the other insurance company, the one that represents the other driver? What next steps would an attorney advise?
An insurance breakdown
Almost 20 million vehicles are registered in Florida. Add to that number the constant influx of visitors to the Sunshine State, together with their cars, and it is no wonder that accidents happen daily. As a Florida resident, your automobile insurance may include bodily injury liability, property damage liability and personal injury protection as well as collision coverage and uninsured/underinsured motorist.
Working with the other side
You may be insured to the hilt, and your UM coverage will kick in if the at-fault driver carries lower liability limits, given the type of accident that occurred. Insurance matters, however, can become complicated. Not only might you have injuries that require significant medical attention, but your car is your baby — you want it fixed, and fixed right. The problem is, insurance companies want to hold onto as much money as they can, which means they may offer you much less than you deserve in terms of compensation, if you plan to file a claim on your own.
Your next steps
When you are injured in an accident, the first thing to remember, once the initial shock has subsided, is never to sign anything or record a statement that an insurance company could use against you. Contact an experienced personal injury attorney for guidance. You need the services of an advocate who will not only see that you receive full and fair compensation for your injuries but that your car receives the care it deserves as well.
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