Involvement in Tampa auto accidents caused by the negligence of someone else requires a detailed understanding of Florida insurance laws and the procedures needed to pursue full and fair compensation for all losses. The Tampa auto accident attorneys at Westchase Law, P.A. have the skills and experience needed to protect your rights throughout the insurance claim process and determine if you should pursue other routes toward the recovery of your expenses.
Anyone with a vehicle with four or more wheels and a Florida license plate is required to carry at least $10,000 of property damage liability (PDL) insurance and a minimum of $10,000 personal injury protection (PIP) benefits. Both policies must be issued by an insurance company licensed by the Florida Department of Financial Services. Anyone who has a vehicle in Florida for more than 90 days a year must purchase all required insurance protection, even if they are not Florida residents.
It is important to understand that PIP is actually no-fault insurance, which covers medical expenses for your injuries—and the injuries of certain other individuals—who have been injured in an auto accident, regardless of who was at fault.
Of course, it is important to avoid discussing the accident or admitting fault. Be sure to collect license and insurance information from all drivers involved and contact information from witnesses. Photographic and physical evidence also can be helpful. But nothing is more important than the health and well-being of everyone injured in an auto accident. Even if you believe your injuries are minor, you should seek immediate medical attention because they can be signs of more serious conditions that may not immediately be apparent.
Be sure to retain all paperwork and receipts for medical visits, medication, and any other expenses incurred due to your injuries. These can all help insure you receive fair compensation when you file a PIP claim for your injuries. It is also important to arrange for a free consultation with an auto accident lawyer from Westchase Law, P.A. in Tampa. We can advise you on how to best deal with insurance adjustors to protect your rights, negotiate on your behalf if your claim is unfairly reduced or denied, and advise you if you have a legal right to pursue compensation from liable parties through other means.
Dealing with insurance companies can present many unanticipated challenges as they strive to protect their bottom line at the expense of your rights to compensation. For the legal support you need after a Tampa auto accident, contact Westchase Law P.A. for an evaluation.