Being involved in even a minor Florida car accident is a stressful experience, but when an accident victim suffers serious injury in an accident the stress can become overwhelming. initially the physical and emotional recovery consume an accident victim’s time and thoughts, but as the body and mind start to heal, financial worries creep into the picture. What sort of medical treatment is going to be needed in the future? How will it be paid for?
Thankfully, Florida accident victims are able to pursue a claim for compensation against the at-fault party through that party’s insurance carrier. Although Florida law requires a base level of coverage, if the at-fault motorist does not have insurance coverage, then an accident victim will likely be able to file a claim with their own insurance policy under the uninsured motorist clause. Similarly, if an accident victim’s injuries amount to a need for compensation in excess of what is available through the at-fault driver’s policy, a claim under the victim’s underinsured motorist protection clause can help fill the gap.
Dealing with insurance companies, however, is rarely an easy experience. Insurance companies operate on a for-profit model, and are often reluctant to approve a claim for what the accident victim deserves. Indeed, in many cases insurance companies look for ways to deny a claim, or approach a motorist with a low-ball offer in hopes of settling the claim quickly and for as little as possible. A recent case illustrates an insurance companies attempt at avoiding financial liability following a Florida car accident.