Fort Lauderdale Auto Insurance Attorney

Compassionate Representation Across Broward County & South Florida

Unexpected car accidents can lead to many frustrations in the aftermath. A crash can lead to the loss of your vehicle and property as well as painful injuries that require time away from work and rehabilitation. Following a car accident, you will need to deal with the insurance companies and your claims for damages against the at-fault parties. You can consult a Fort Lauderdale car insurance lawyer for guidance and advice on how to protect your rights and fight for maximum compensation.

No one likes dealing with automobile insurance, but in the state of Florida, everyone needs to have it. Auto insurance protects you from property damage liability, costs associated with your personal injuries, and more. Getting in a collision or wreck is frightening on its own, and a bad situation can be made worse when your insurance carrier denies your legitimate claim. Our Fort Lauderdale automobile insurance lawyer at Martin J. Sperry, P.A. has over 45 years of legal experience handling claims of all types. Our firm has recovered millions of dollars for our clients and can assist you in efficiently resolving automobile claim disputes.

Schedule a complimentary consultation to learn more about how we can help with a wrongfully denied claim. Contact us online or call (954) 324-2340 today.

Steps to Take After a Car Accident

After a car accident, many victims think their only legal option is to sue for damages. There are, however, many other options available to accident victims. You should file a claim with an insurance company as soon as you get into a car accident.

Even though the at-fault insurance company may settle your case out of court, you still need to hire a lawyer to represent you in an insurance claim. Attorneys can help you avoid unnecessary delays in your case, limit potential complications, and increase your chances of success.

If you file an insurance claim, you will be up against an insurer who will reduce the amount of compensation available to you in any way they can. There may be several reasons why an insurance company denies your claim or reduces the amount of monetary damages in your claim by offering a low settlement offer. An insurer or its representative has an opportunity to disclose any inconsistency, potential error, or omission that may reduce the at-fault party's liability.

Understanding Florida's Automobile Insurance Requirements

Each state in the United States enforces its own unique rules for required automobile insurance. Florida is one of several “no-fault” states, meaning that each motorist is responsible for paying for costs associated with an accident – no matter who caused the crash.

Florida law requires all drivers to maintain automobile insurance policies with at least $10,000 in personal injury protection and $10,000 in property damage liability. Personal injury protection, or PIP, covers any necessary medical expenses and lost wages if you are forced to miss work as a result of your injuries. Property damage liability, or PDL, covers damage to your vehicle and other property.

These requirements are the absolute minimums, but it is often in your best interest to consider additional coverage. Another motorist has the right to file a lawsuit against you if the amount of damage exceeds what your policy covers. If you are found to have been negligent in court, you will be responsible for paying the difference out-of-pocket. It is also important to understand what minimum auto insurance requirements do not cover. Florida drivers are not required to have bodily injury liability policies, or BIL, which cover situations where negligent driving injures or kills other drivers, passengers, or pedestrians. Again, injured parties have the right to sue you if you do not have sufficient coverage in these scenarios.