Car Accidents

There are over 400,000 accidents in the state of Florida every year, that is over a thousand in a single day. Even if you are a safe driver, there is no way of controlling for the people around you, which means that anyone could find themselves in a collision. If you have been in a car accident and want to ensure you get the coverage you deserve from your insurer, contact the experts at Murray & Associates.

What You Need to Know About Filing an Insurance Claim

Here’s the complicated truth about insurance companies – they maintain their profit margins by minimizing their payouts as much as possible. That means that just because you are covered, it doesn’t mean that your insurance company won’t actively try to limit the amount they have to pay on your claim.

Therefore, before you complete your claim, you should always get in touch with a qualified insurance attorney. This will enable you to get the most reliable information to avoid saying something to your insurer that can be used against you and reduce your payout.

What Does it Mean to Live in a “No-Fault” State?

You might have heard that Florida is a “no-fault” state, but what exactly does this mean?

In a “no-fault” state, when a car accident occurs, both parties are required to turn to their insurance policies to make a claim regardless of who caused the accident in the first place. The purpose of this law is to eliminate unnecessary legal battles as the insurance agencies are charged with working out the claims. However, there are exceptions to this system; for example, you can still pursue a lawsuit against the other driver if you suffer permanent injuries.

What Should I Do After a Car Accident?

  • Stay at the scene and move the cars involved to the right shoulder to maintain traffic flow.
  • Call the police and make a report – this will be essential in making an insurance claim.
  • If there are any injuries, get prompt medical attention. Even if you don’t feel hurt, some injuries take days to manifest, so it’s helpful to get checked out and receive X-rays.
  • Get as much documentation as possible. This means pictures of the accident, both cars, documents, etc. Also, make sure to get all the parties’ (including witnesses) contact and insurance information.
  • Don’t admit fault. Even if you think you were the cause of the accident, the stress and anxiety of the moment may not let us see things clearly. This could lead you to assume responsibility for something that, in hindsight, might not have been your fault.
  • Talk to an insurance attorney to get all the information you need to improve your outcome and maximize your payout.

Are You Looking for an Insurance Attorney for Your Car Accident Claim?

Don’t let your insurance company get away with giving you less money than you deserve. The team at Murray & Associates is here to protect what’s in your best interest. Get in touch today to learn how we can help.

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