Car Accident FAQ
What should I do if I’m involved in an automobile accident with multiple people?
If you’re involved in an automobile accident in which several people are filing a claim, your Orlando car accident attorney will attempt to determine the at-fault party’s bodily injury policy limits as soon as possible. The best case scenario would be for the at-fault party to carry enough insurance coverage to properly compensate all the victims of the accident. If there is a small policy, however, a global mediation will need to be arranged by the insurance company to determine how much money each party to the accident should be awarded for their injuries. The person suffering the most severe injuries will typically receive the most compensation. If all the parties to the accident have similar injuries, the insurance company will typically award each person a percentage of their insured’s bodily injury coverage. For example, if five people are all involved in the same automobile accident for which the at-fault party only carries $20,000.00 in bodily injury coverage, each claimant will likely be awarded $4,000.00 if all claimants are equally injured.
What should I do if I am involved in a hit and run?
If you are injured in an accident with a hit and run driver, you will need to contact your insurance company immediately. Ask your insurance carrier if you carry collision and uninsured motorist coverage. If you carry collision coverage under your insurance policy, your insurance company will pay to have your vehicle repaired. If the accident resulted in bodily injury, you can file an uninsured motorist claim for your personal injuries and any pain and suffering. If you do not carry uninsured motorist coverage you may not receive proper compensation for your injuries. Our office strongly recommends you contact your insurance carrier to ensure you are carrying uninsured motorist coverage (or to purchase it right away).
Should I give a recorded statement to the insurance company of the at-fault driver?
If you plan on hiring an Orlando car accident attorney you should never provide the at-fault driver’s insurance company with a recorded statement. These statements can often hinder your claim rather than lead to a faster resolution. If you provide the insurance company with a recorded statement they may attempt to use the information against you in your case. The at-fault driver’s insurance carrier’s interests are adverse to your own. The insurance company wants to keep their costs as low as possible, while you are seeking proper compensation for the injuries you suffered in the automobile accident. An experienced Orlando automobile accident attorney will know when a recorded statement is necessary to help determine liability.
What do I do if I am involved in an automobile accident and do not have insurance coverage?
Florida drivers should always be sure their insurance coverage does not lapse. It is important to make sure you are personally insured in case the at-fault driver does not carry automobile insurance. Carrying uninsured motorist coverage on your own insurance policy will ensure you are always able to receive proper compensation in the event of an accident. If your insurance policy was canceled prior to your accident your only form of recovery will be through the at-fault party’s insurance carrier. If the at-fault party does not have insurance coverage you will be left with injuries and property damage and few options. If the at-fault driver does have available insurance coverage, you will be able to pursue a claim for your bodily injuries and property damage. You will not, however, be eligible for PIP coverage if you do not have automobile insurance and your medical bills will be outstanding. If you do not have insurance and your medical bills remain outstanding, your medical providers will need to be reimbursed out of your settlement at the conclusion of your case.
Do I need a police report to file an automobile accident claim?
It is not necessary to have a police report to file an automobile accident claim. It is, however, a very good idea to insist that the police be called to the scene of the accident to fill out a report. Without a police report, the insurance company will likely take additional time to investigate their insured’s claim to ensure their insured was truly at fault for the accident. This investigation could result in a substantial delay to your claim. If your vehicle is inoperable as a result of the collision, it may cause you to be without a vehicle for an extended period of time. Without a police report, the at-fault driver’s insurance company may even deny your claim or place partial liability on you. To expedite and safeguard your claim, you should always call the police after an automobile accident.
What do I include in my property damage claim?
Certain items in your vehicle may be included in your property damage claim following an automobile accident. If your CD player or navigation system was destroyed as a result of the accident, you can claim a replacement value. Moreover, should you have recently had work done to your vehicle and you can provide an invoice or receipt of the repair work, you can often negotiate with the insurance company to increase your property damage claim.
Do I need to be a United States citizen to make an auto insurance claim?
No, it is not necessary to be a United States citizen to make a claim if you have been injured in an automobile accident. Illegal aliens may even file an automobile accident lawsuit.
What should I do with my child's safety seat after an automobile accident?
If you have a child safety seat in your vehicle and are involved in an automobile accident the child seat is likely damaged. Even if the damage is not clearly visible, you should always assume that the seat was damaged in the collision. You should discontinue using the child’s safety seat and purchase a new one to avoid putting your child at risk. The insurance company for the at-fault driver should reimburse you for the cost of a replacement safety seat. You will need to provide the insurance company a copy of your receipt to receive compensation for your new child safety seat.