Injury Insurance in Sarasota
How to Protect Your Financial Rights in a Car Accident
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
Maria Gerber can provide the personal, yet aggressive representation you need after
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.
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 to from your insurance policy.
Gerber Law today for a
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 makes Maria Gerber a champion
for victims’ rights. With offices in Sarasota and Venice, Florida,
Gerber Law serves the southwest coast of Florida.
NO FEE UNLESS YOUR ATTORNEY RECOVERS MONEY FOR YOU.