The Law Offices of Garcia & Zalloum, PLLC

Auto Accident Claims

Automobile accidents can devastate your health and finances. If you’ve been in an accident and your insurance company has denied your claim, or you feel you’ve received a settlement offer below what you are legally entitled to, contact our experienced car insurance claim attorneys to review your dispute.

Get Help with Auto Insurance Claims

If you need insurance legal advice regarding an auto insurance claim or denial, contact Florida Insurance Dispute Attorneys Garcia & Zalloum for a free case evaluation.

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What Are the 6 Types of Auto Insurance?

There are six types of car insurance coverage that help to protect you, your passengers, and your vehicle in case you are involved in an accident. Most insurance companies offer auto policies with these coverage options:

Liability Coverage

Mandatory in many states, this coverage invovles minimum amounts of liability coverage that you must carry.

  • Bodily Injury Liability: If you are at fault for the accident, this helps pay for another person’s injuries
  • Property Damage Liability: If you cause damage to another person’s property while driving, this may help cover the loss 

Uninsured Motorist Coverage

Although not required in Florida, this can alleviate your cost of medical bills or repairs to your vehicle if you are in an accident with another driver that doesn’t have insurance.

Comprehensive Coverage

Receive financial assistance in the event your vehicle is damaged from theft, vandalism, fire, or natural disasters. Typically, after paying the deductible (which you pay out of pocket), your insurer will reimburse you to repair or replace your vehicle for a covered claim.

Collision Coverage

If you are involved in an accident with another car, or you hit another object such as a fence or a tree, this coverage can help to pay for repairs or replace your vehicle. Again, it typically requires you to pay your out-of-pocket deductible before your insurance company will compensate you for a covered loss.

Medical Payments Coverage

Injuries that occur as a result of an accident may require hospitalization, surgery, X-rays, and more. This coverage can help cover the costs associated with any injuries to you, your passengers, or family members that might be driving in the insured vehicle.

Personal Injury Protection

Available and required in Florida, personal injury protection (PIP) is similar to medical payments coverage — it helps cover your medical expenses after an accident. It also may provide financial support for other expenses, such as lost income or child care.

What Is the Minimum Auto Insurance Coverage Required in Florida?

Bodily Injury: $10,000 per person; $20,000 per accident*

Property Damage: $10,000 per accident

Uninsured Motorist: $10,000 per person; $20,00 per accident*

Personal Injury Protection (PIP): $10,000

*Bodily injury liability and uninsured motorist coverage can be waived

Why Was My Accident Claim Denied?

We’ve seen our share of claim denials, delays, and undervalued losses when it comes to auto insurance disputes. Remember, the insurance company is a for-profit business — the more they pay out, the less profit they make.

Perhaps you believe the insurance company:

  • Denied your claim without justification
  • Distorted the facts of your claim
  • Interpreted the policy differently than you expected
  • Used a loophole to deny or undervalue your claim
  • Alleged that your injuries or damages were not as serious as you have claimed
  • Designated you to be at fault and won’t pay

 

No Fees Unless We Win.
With our contingency fee structure, you pay nothing unless your case is successful. And, in many cases, your insurance company may be forced to pay all of your attorneys’ fees and court costs, leaving all recovered money available to put your home and life back to normal.

No Fees Unless We Win.
There are no upfront costs to you. Your insurance company may be forced to pay all of your attorneys’ fees and court costs. Call us today for a free evaluation of your claim.

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Get Help with Auto Insurance Claims

If you need insurance legal advice regarding an auto insurance claim or denial, contact Florida Insurance Dispute Attorneys Garcia & Zalloum for a free case evaluation.

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(407)-978-6603

Monday – Friday

9 a.m. – 5 p.m.

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1973 Longwood Lake Mary Road, Suite 1001, Longwood, FL 32850

Monday – Friday

9 a.m. – 5 p.m.