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Florida Car Insurance Claim Denial Attorneys



In the state of Florida, just about every auto accident results in a claim against an automobile insurance company. Florida has very specific laws which require anyone that owns a motor vehicle in the State of Florida to have auto insurance. It is important to hire a Florida car accident attorney that understands the Florida car insurance laws.

The laws in Florida regarding car insurance are constantly being changed; however the law has remained very clear that both the owner and driver of a motor vehicle can be held financially liable for an accident. For example, if you own a car that is being driven by someone else and it is involved in an accident, then you as the owner could be held financially liable if the driver of your car is found to be at fault.

Most people injured in an accident don’t realize that a claim against the person that caused the accident, is actually a claim against the at fault driver’s and vehicle owner’s insurance company. There are approximately 17 million drivers in Florida, but there are a large percentage of motor vehicle drivers that do not have auto insurance. It is very difficult to recover any money for our client if the at fault party(s) do not have any auto insurance. In every automobile case, we have the resources to quickly determine whether there will be sufficient insurance coverage to compensate our client for their injuries.

Florida is known as a “no-fault state”. Florida auto laws, require a person to use their own Florida auto insurance to pay the first $10,000 of their own medical bills, regardless of who is at fault. This benefit is known as “PIP”, which stands for Personal Injury Protection. The Florida legislature is constantly trying to change the PIP laws, which make it essential that you hire a Florida auto accident lawyer that constantly monitors the latest auto laws.

At Dell & Schaefer we constantly monitor all changes in the auto laws and we participate in legislative initiatives in order to protect the rights of consumers.

Florida auto laws also require a person involved in an auto accident to sustain a “permanent injury” in order to receive compensation for their pain and suffering. This is known as the permanency threshold. Auto insurance companies will aggressively argue in most cases that a person has not sustained a permanent injury and is therefore not entitled to any compensation for their pain, suffering, and loss of enjoyment of life. A permanent injury must be certified by injured person’s treating physician. It is important that your physician is familiar with auto accident claims and the strict auto insurance law requirements.

In every automobile accident case there are strict time deadlines that must be complied with. Failure to comply with the numerous time deadlines could result in a complete bar to receiving any compensation for your injuries. If you have been injured in an accident, please contact one of our Florida car accident lawyers for a free immediate consultation.


Car Insurance Companies

Check out our auto insurance company pages below to learn more about these insurance companies and specific cases against them.



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