Where Can I Find the Best Car Insurance Attorney in DeLand, FL?

Nobody ever wants to make a car insurance claim. That’s because when you are making a car insurance claim, this means that your life has been undesirably disrupted in one way or another. You’d prefer to pay your premiums every month and never have a reason to make a car insurance claim.

Unfortunately, life doesn’t care about what you want. And when you’ve gotten into a car accident or your car has been stolen or damaged, you need to make a claim. That is when you are most happy that you have diligently paid your dues. At least, that is what is supposed to happen.

But just as you can’t control whether your car is stolen or damaged, you also can’t control whether the insurance company will compensate you properly when you make a car insurance claim. Insurance companies are notorious for denying rightful claims or underpaying claims.

If this has happened to you, you need the best car insurance attorney in DeLand to protect your rights. Morgan and Morgan offer the car insurance legal services you need to make the insurance companies pay what they owe. Contact us today to schedule a free evaluation for your car insurance case.

Florida Is a No-Fault State

It is extremely important to have full insurance coverage in Florida because Florida is a no-fault state. This means that your insurance company pays for damages to your vehicle and medical treatment after an accident, regardless of which party is at fault. 

There are some exceptions to this, but if you don’t have the proper amount of insurance, you usually won’t be compensated after an accident.

That doesn’t mean that fault is meaningless in an accident in Florida. The fault will be determined for possible criminal charges. Your insurance company can also increase your insurance rates if you are at fault in an accident. 

Finally, if you are seriously injured, you can file a lawsuit against the other driver if they are at fault in the accident.

That last part is incredibly important. Because fault becomes relevant when a party is seriously injured and because insurance companies usually foot the bill in those lawsuits, the other driver’s insurance company may try to conceal that the other driver is at fault. 

And even if you can prove that the other driver is at fault, that insurance company is likely to try to minimize how much it pays you. The sooner you hire the best car insurance attorney in DeLand, the sooner you can protect yourself from these predatory practices.

If Fault Doesn’t Matter, Why Do You Need the Best Car Insurance Attorney in DeLand?

Because fault doesn’t matter in most car accident cases, your insurance company will usually be stuck with the bill. And insurance companies don’t like paying money. Therefore, your insurance company is likely to find any excuse possible to deny your claim or to underpay what you are owed. 

A car insurance attorney can protect you from these practices. The first step is ensuring your insurance company doesn’t deny your claim. This shouldn't be a problem if your insurance premiums are up-to-date and you have the right type of insurance. 

But insurance companies will use any excuse to assert that your claim isn’t valid. Your attorney is familiar with these tactics and can prove that you have a legitimate claim that should be fully covered.

The next step is to ensure that you aren’t underpaid. Again, insurance companies use devious tactics to pay you less than you are owed. For example, an insurance adjuster may use dubious data to undervalue your vehicle or may try to claim that damage or injuries were sustained before an accident.

Just by retaining a lawyer, you help mitigate this behavior by the insurance company. They know that clients who have retained a lawyer are willing to go to court to fight for their claims. And since trials are expensive and court verdicts could result in extremely high damage awards, most insurance companies will make a fair settlement offer rather than risk going to court.

The final protection you get from hiring an insurance attorney is protection against stalling. While it is illegal to unreasonably delay the processing of a claim, most claimants aren’t aware of their rights, and insurance companies are rarely punished for this behavior. 

The longer your claim is delayed, the more likely you are to drop the claim or accept an extremely low offer just to get it over with. Your car insurance attorney will clamp down on delays and force your insurance company to act at a reasonable speed.

Serious Injuries Require a Lawyer

If you have been seriously injured in a car accident, you have the right to file a lawsuit to recover medical expenses. This is when it is most important to have an experienced car insurance attorney fighting for you.

When you have suffered a serious injury, you don’t only have immediate medical expenses. You also have long-term medical expenses that may last a lifetime. Additionally, you will likely suffer from lost income due to your injury. 

These expenses can be recouped in a lawsuit and usually fall on the other driver’s insurance company to cover.
Insurance companies don’t want to pay a lifetime's worth of expenses and will try to short-change you on compensation. Sometimes, the insurance company might even try to pay you less than your current medical expenses. 

You need an experienced attorney with extensive knowledge of injuries and costs to examine any settlement offer and advise you on whether it is fair. If it isn’t fair, your attorney can fight for a higher offer and take the recalcitrant insurance company to court.

The consequences of not hiring an experienced lawyer can be overwhelming. You could have lifelong medical expenses and lost income and no way to get compensation for them. Avoid this fate by hiring the best car insurance attorney in DeLand, Morgan and Morgan.