Injury Insurance in Sarasota

How to Protect Your Financial Rights in a Car Accident Auto Insurance Policy

When you get in a car accident, you expect your insurance company to pay for your damages. Florida no-fault insurance law requires that all motorists carry motor vehicle insurance. Despite this mandate, however, a staggering number of Florida drivers are either uninsured or underinsured.

According to the Florida Insurance Council, as of 2009, Florida ranks number five in states with the highest rates of uninsured drivers. Nearly one quarter of Florida drivers have absolutely no car insurance, and as the economy continues to struggle, that figure will continue to rise. Of the Florida drivers who do have insurance, some are underinsured - they purchase the bare minimum policy that will not cover your medical expenses in a crash. Gerber Law urges all Florida drivers to obtain uninsured/underinsured motorist coverage and medical payment coverage in their car insurance policies. Sarasota accident attorney Maria Gerber can provide the personal, yet aggressive representation you need after an accident.

Uninsured/Underinsured Motorist Coverage

After a car accident, your insurance company should pay 80 percent of your medical expenses, but only up to $10,000. If the other driver caused the car accident, his or her insurance company should pay the rest of your medical expenses. But what if the other driver has no insurance or is underinsured? Some drivers purchase policies that do not follow state law coverage requirements.

Gerber Law advises every driver to obtain uninsured/underinsured motorist coverage. This extra bit of protection in your insurance policy costs more, but the coverage could mean the difference between a secure financial outlook and medical bill bankruptcy. Uninsured/underinsured motorist insurance pays for medical expenses and lost wages beyond the other party's insurance policy limits, and if the other party has no insurance at all, this additional uninsured/underinsured coverage is your only chance at getting the money you need. The cost of the coverage is low when you compare it to the costs you would incur if an uninsured driver injures you. Insurance companies might discourage you from purchasing uninsured/underinsured motorist coverage, because the coverage costs the insurance company, and even if you do have the coverage, the insurance company may try to get out of paying it.

Beyond Personal Injury Protection: MedPay Coverage

Because insurance companies only pay 80 percent of medical bills and only up to $10,000, optional MedPay coverage is advisable. MedPay covers the remaining 20 percent of your medical bills that personal injury protection coverage does not cover, as well as any medical expenses beyond the $10,000 personal injury protection limit, sometimes two or three times the limit. Like uninsured/underinsured coverage, MedPay coverage also costs insurance companies a hefty amount if another driver injures you, and the insurance company may try various tricks to reduce its payout to your providers and to you.

Dealing with the Insurance Company After an Accident

Your first instinct after a car accident might be to call your insurance company. Instead, you should consult right away with a Sarasota injury lawyer to find out your rights. Too often, insurance companies refuse to do what is equitable. The insurance company may contact you within days or even hours of your accident and offer a low settlement number that may be tempting in the current economic climate. However, you may not know all the ramifications of the injuries you have incurred in the accident. You may have a headache that could turn out to be a brain injury, and if you settle with the insurance company right away, you could run out of money before you even know that you will need years of treatment.

Sometimes your insurance company will send you to a doctor who will advise the insurance company that your treatment was not reasonable or necessary or that your injuries are not accident-related. Even if you have uninsured/underinsured motorist coverage and MedPay, the insurance company will try to say that your policy does not cover your treatment or your injuries.

You are not on an even playing field with the insurance company. Insurance adjusters are sophisticated and knowledgeable about Florida's no-fault insurance laws, and they will take advantage of your ignorance. Talk to an attorney before you talk to the insurance company. Gerber Law never represents insurance companies, and you will always work directly with a lawyer. Maria Gerber has dedicated her practice to helping personal injury victims, and she will fight for you to obtain every penny to which you are entitled from your insurance policy.

Contact Gerber Law today for a FREE consultation if you have been in a motor vehicle accident. Education, knowledge and aggressive legal representation combined with personal attention to each client are what make Maria Gerber a champion for victims’ rights. With offices in Sarasota and Venice, Florida, Gerber Law serves the southwest coast of Florida.

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