Whether you were just involved in your first collision or you have been
in an accident before, you probably have questions. Our
car accident attorneys have provided some answers to some of the most commonly questions
people ask after being involved in a crash.
How is the total value of damages determined?
Insurance companies assign an adjuster to each accident case to determine
the value of the claim. They evaluate accidents by getting damage estimates,
evaluating the driver's insurance policy, and receiving the police
accident report. "Damages" can refer to more than just physical
damage to your vehicle. Financial damages can be awarded for physical
injuries resulting from an accident. To determine financial compensation
for injuries, adjusters will evaluate medical records.
My insurer told me that the accident totaled my car. How did they come
to this conclusion?
A car is considered "totaled" when the cost of repairs exceed
the total cost of the vehicle. Vehicle cost is determined by evaluating
the average retail sales value of comparable vehicles.
Can I contest the insurance company's conclusion?
Yes. If you do not agree with the insurance company's decision, you
have the opportunity to ask them to reevaluate the claim. An attorney
can be of significant help here.
The driver that hit me doesn't have insurance. Am I covered?
Florida Is a "no fault" state when it comes to medical bills
incurred as a result of an auto accident. What this means is that when
you are involved in an auto accident and sustain injuries, your medical
bills are paid by your own auto insurance carrier up to $10,000, regardless
of fault. Often time an emergency room visit alone can exhaust $10,000
in coverage. That is why it is important to hire an attorney from the
beginning. An attorney can investigate the "at fault driver"
for additional insurance coverage on their car insurance policy. Hiring
an attorney promptly will ensure that a proper insurance coverage investigation
occurs and all of your losses are covered.
Should I hire an attorney? And if so, when should I contact one?
Many car accident cases benefit from attorney representation. In fact,
statistics show that insurance companies pay about 3.5x more money to
accident victims when they are represented by an attorney (versus self-representation).
You can typically contact an attorney at any point during the claims process
and even before you file the official accident report with insurance.
Still have questions? Ask Roman & Gaynor! Call us today for a
free accident consultation.