How Long Do I Have to Inform My Insurance Company I Was in an Accident in FL?

This might seem like a straightforward question that should have a black-and-white answer. That is not always the case, though. The newly revised Florida Statute 95.11 gives you up to two years to file a car accident lawsuit, but this does not apply to insurance claims.

Florida’s no-fault system requires you to file your car accident claim with your personal injury protection (PIP) coverage first. PIP policies have strict deadlines, as you must seek medical attention and notify your insurer of a possible claim within 14 days of the accident. If you fail to do so, you can lose your right to obtain insurance benefits to cover your medical costs and lost wages. However, notifying them as soon as you know you are injured can be wise.

Meeting deadlines and navigating the insurance process can be complicated and seem overwhelming in the aftermath of an already stressful car crash. Relieve your stress by seeking help from a Clearwater car accident attorney right away.

Have a Car Accident Attorney Speak With Your Insurance Company

When you are dealing with medical treatment, missed work, and the pain of your injuries, the last thing you need to worry about is going back and forth with your insurance company. Unfortunately, the insurer is unlikely to make the process simple for you. Further, you might say something that results in a reduction of your claim.

If you have serious injuries, you might have to file a fault-based claim against the driver who caused your accident. This process is adversarial and often challenging, requiring proof of liability and your losses. This requires you to juggle your PIP claim and at-fault claim - often with little familiarity with how the insurance process works.

The best course of action is to consult with a car accident lawyer as soon as possible if you are injured. Our attorneys will evaluate your options and notify your PIP provider of your injuries. If we determine your injuries are serious enough to warrant an at-fault claim, we will handle all communications with other insurance companies, as well.

Beware of Inadequate Settlement Offers

Inadequate settlement offers are common from insurance companies, especially for unrepresented claimants. Never accept an insurance offer without consulting with our legal team. We can assess how much compensation you deserve for your specific injuries and losses and advise whether an offer is fair. If not, we can provide additional evidence to support your claim and negotiate for the full compensation you need. If you accept an offer that is too low, you cannot go back and request more. Do not risk this; speak with a trusted attorney today.

Call a Clearwater Accident Attorney Now

Tragos, Sartes & Tragos has Clearwater accident lawyers who can advise you of your rights and obligations regarding your specific accident case. Case evaluations are always no-cost with no obligation. Do not risk missing an important deadline in your car accident case. Contact us now at 727-441-9125 or via our contact form. Learn about your options.