Involvement in an automobile accident can be a difficult and stressful experience. It is always in your best interests to seek advice from an auto insurance lawyer who has experience handling car accident claims and who has knowledge of Florida’s insurance laws. The Capaz Law Firm represents clients in a wide range of car insurance disputes involving:
Contact the Capaz Law Firm to discuss your automobile insurance claims or disputes in Tampa.
Typical coverage afforded under a Florida automobile insurance policy include: Personal Injury Protection (PIP), Bodily Injury Coverage (BI), Property Damage Coverage (PD), and Uninsured/Underinsured Motorist Coverage (UM/UIM).
The Florida Motor Vehicle No-Fault Law requires all motor vehicle owners to carry at least $10,000 of Personal Injury Protection (PIP). Your PIP insurance should cover you, your spouse, children, and any relative living with you at the time of an accident. $10,000.00 is the minimum amount of required PIP coverage; however, you may seek additional PIP or Medical Payments Coverage.
Bodily Injury coverage insures against liability when the insured negligently causes bodily injury or property damage in an accident. Under a BI policy, the insurer agrees to provide coverage for, and defend the insured against, liability claims. An insurance company should pay for injuries up to the stated policy limits, which usually range from $10,000.00 to $500,000.00. Unfortunately, Florida drivers are not all required to have bodily injury coverage.
Property Damage coverage provides benefits when there is damage to property (vehicles) as a result of a car accident.
UM/UIM insurance provides coverage for yourself and your family if you are involved in an accident caused by someone who does not have BI coverage, or who does not have sufficient BI coverage to cover your injuries. UM/UIM coverage is essential to those who seek full coverage.
If you are the victim of a car accident and have significant medical expenses, lost wages, and/or pain and suffering, hopefully the other driver has bodily injury coverage or you have UM coverage. UM coverage will protect you when the at-fault driver has no insurance or does not have enough insurance to cover your claims. If the negligent driver has bodily injury coverage, and/or if you have UM coverage, you can bring a claim against the at-fault driver and/or your own UM insurer. Based upon the other driver’s negligence, you may pursue relief for recovery of medical expenses, lost wages, pain and suffering, and property damage.
Unfortunately, insurance companies often deny legitimate insurance claims or offer to pay less than a fair amount for damages and losses caused from an automobile accident. It is not uncommon for insurance companies to dispute the extent of your injuries, the reasonableness of the your treatment, and the permanency of your injuries. However, you do not have to accept what is offered or abide by the insurance company’s denial of your claim. If an insurance company has denied or undervalued your car insurance claim, contact the Capaz Law Firm for assistance from an experienced Tampa car accident attorney who is knowledgeable in PIP, BI, and UM/UIM claims. We will help you recover fair compensation through negotiation, mediation and/or litigation.
Contact the Capaz Law Firm today for a consultation about your car insurance claim in Tampa. We believe insurance companies should honor their policies, and we will fight to get you the fair compensation you are owed.
Dereck Capaz is a proud member of the Million Dollar Advocates Forum. The Million Dollar Advocates Forum is one of the most prestigious groups of trial lawyers in the United States.
Dereck Capaz was selected for inclusion and named in the 2009 – 2015 editions of Florida Super Lawyers.
Dereck Capaz has earned the AV-Preeminent Rating for legal proficiency and ethical standards from Martindale-Hubbell and lawyers.com.
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