Understanding How Your Insurance Company Works After an Accident

Understanding How Your Insurance Company Works After an AccidentAfter a car accident, you may be suffering from serious injuries, resulting in lost time from work and mounding medical bills. During this time, insurance companies will begin circling. They’ll want to know how the accident happened, who was to blame, and what injuries were suffered.

More than likely, you won’t even know the full extent of your injuries yet, and you likely do not realize how these injuries will affect your future. As such, it is important to know how insurance companies work so that you can avoid making costly mistakes that could jeopardize your ability to collect the compensation you need.

Insurance & Car Accidents in Florida

After an accident, who pays for your medical expenses and  damages? Florida is a “no fault” state. This means that after an injury accident, who pays your medical bills will depend on the severity of your injuries. If your injuries are relatively minor, you will look to your own insurance company to pay for your medical bills and expenses.

  • PIP Coverage – In the state of Florida, all drivers are required to carry Personal Injury Protection Insurance. If your injuries are not too severe, your PIP insurance will begin paying your medical expenses To get your bills paid, you must submit copies of billing statements to the insurance company. PIP must cover by law:
    • Medical, surgical and rehabilitative services
    • Dental services
    • X-rays and diagnostic tests
    • Follow up care
  • MedPay Coverage – if you’ve exhausted your PIP insurance policy and reached the limit, you can look towards MedPay for additional coverage. This is an optional coverage plan that you can purchase separately.
  • Additional Health Charges – If you’ve reached your PIP and MedPay limits, your health insurance will then kick in to cover any additional bills. You will need to pay any deductibles and benefits will be paid out in accordance with the terms of your policy.

If your injuries are particularly severe or if they result in permanent disfigurement or disability, you can go outside of Florida’s no-fault system and file a personal injury lawsuit against the other driver. To do this, you need an experienced and skilled Tampa car accident lawyer on your side to negotiate with the “at-fault” driver’s insurance company for a fair settlement.

The Claims Process in Florida

After an accident, you will need to file a claim with your insurance company. Not all insurance companies operate in precisely the same way, however, the basic steps of the claims process include:

  • Contact your insurance company
  • Provide insurance company with details of the accident – avoid speculation or admitting fault
  • File a police report if one wasn’t already filed
  • Provide any evidence or photos of the accident scene
  • Follow up with claims adjuster
  • Claims adjuster will evaluate your case, including your policy and the facts surrounding the accident.
  • Speak to an attorney

Contact Our Tampa Car Accident Lawyers Today

If you or someone you love has been injured in a car accident in Tampa or anywhere in the state of Florida, it is important to seek legal help immediately. At Armando Personal Injury Law, our Tampa car accident law firm can help you negotiate with insurance companies to obtain a fair settlement after a car crash.

Contact Armando Personal Injury Law at (813) 538-1589 or fill out our confidential contact form. We have offices in Tampa, Fort Lauderdale, and Lakeland, Florida and we offer complete legal assistance every step of the way.


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