Orlando doesn't require bodily injury liability coverage insurance. However, many motorists opt to buy this type of coverage anyway. Florida does mandate drivers buy property damage liability coverage and personal injury protection (PIP). PIP pays for your own injuries, regardless of who caused an accident, if you are hurt in an auto crash. Property damage liability coverage pays if you are in a crash and damage someone's property.
There are a number of different insurance companies selling policies in the Orlando area to drivers. Some of the options for auto insurance coverage include Geico, Allstate, Florida Farm Bureau, and Liberty Mutual. Unfortunately, anyone who is involved in trying to get compensation from any insurance company knows insurers sometimes fail to pay what they should to compensate victims for loss.
When you get into an auto accident, you need to report the incident to your insurer right away. If you got hurt, you need an experienced accident attorney to initiate a personal injury protection (PIP) claim. Your medical bills and loss of wages should be covered up to policy limits. You should provide proof of your financial loss to your insurer, who should pay for coverage as defined in your policy. If your own insurer denies a legitimate claim for compensation which you make, your attorney can initiate a bad faith lawsuit against your insurance provider.
If another driver hurt you badly, you may be able to make an injury claim against the other driver. Your attorney may be negotiating with the other driver's insurance company in this situation. When trying to get injury compensation from an insurer whose policyholder hurt you, your lawyer should send a demand letter and specify how much compensation you want to receive as a result of the auto accident. Be sure to support your request for compensation by providing proof as to the extent of your losses and damages.
The other insurer is likely to offer you a low settlement offer in hopes you will agree to accept what they are willing to provide. You do not have to agree and can make counteroffers and go back and forth in negotiations. You shouldn't accept a settlement offer made by the insurer or sign any paperwork absolving the insurer of liability until you are certain the settlement is fair in light of the extent of damage and the nature of your evidence. An experienced attorney can provide you with assistance in proving how badly you were hurt and showing your entitlement to compensation.
If the other driver's insurer won't admit its policyholder is to blame, or will not make a fair settlement offer, you will have to make a personal injury claim in court. An attorney can assist you in trying to reach a negotiated settlement so you can avoid having to take court action after you got hurt in a motor vehicle collision.