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's 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.

Gerber Law urges all Florida drivers to obtain uninsured/underinsured motorist coverage and medical payment coverage in their car insurance policies. If you are hit by a motorist, we can provide the personal, yet aggressive representation you need after an accident.

Uninsured And Underinsured Coverage

After a car accident, your insurance company should pay 80 percent of your medical expenses, but only up to $10,000. If another 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?

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.

Beyond Personal Injury Protection: Med Pay Coverage

Because insurance companies only pay 80 percent of medical bills and only up to $10,000, optional Med Pay coverage is advisable.

Med Pay covers the remaining 20 percent of your medical bills that personal injury protection coverage does not, as well as any medical expenses beyond the $10,000 personal injury protection limit, sometimes two or three times the limit.

Facing Insurance Companies 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 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 tempt you with a low settlement offer.

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.

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 at 866-233-4529 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.