Where Can I Find the Best Car Insurance Attorney in Daytona Beach?

Morgan and Morgan is the largest personal injury law firm in the United States. For this reason, we have powerful legal resources to fight for you. Backed by an army of over 1,000 attorneys specializing in various aspects of personal injury, including car accident insurance claims, you can rest assured that your insurer won't bully you into accepting a lowball settlement offer when you hire our attorneys. If you have a valid case, we can guarantee that we will use our resources to fight for you, ensuring you receive the compensation you need and deserve.

Experience is one of the most important things to consider when looking for a car insurance lawyer in Daytona Beach and throughout Florida. At Morgan and Morgan, we have been in the industry for over three decades. Even though we serve clients from coast to coast, the first-ever Morgan and Morgan office was launched in Orlando, Florida, in 1988. Since then, we've had a personal connection with the residents of Florida and a deeper understanding of how car insurance laws work in this state.

When looking for a car insurance attorney in Daytona Beach, you also want to ensure that you work with an attorney with a proven track record in handling these kinds of cases. At Morgan and Morgan, our track record speaks for itself. We've helped our clients recover more than $20 billion as compensation for their injuries, including those caused by car accidents. This shows that we're not just one of those law firms that get excited by any settlement offer.

On the contrary, we don't settle for less than what you need and deserve.

If you or your loved one has been injured in a car accident in Daytona Beach, fill out our free case evaluation form. One of our legal representatives will review your case and then get back to you about the next steps.

Daytona Beach, and the rest of Florida, follow the 'no-fault' legal doctrine regarding car accidents. This legal concept is designed to make it much easier for car accident victims to obtain the compensation they need and deserve following an accident. In a no-fault system, you must file a claim with your insurance provider first after a car accident. Then, depending on the circumstances, you may also be able to file a claim against the other party's insurer.

Although the no-fault system is designed to make the claims process easier, faster, and more convenient, that's not always the case. Your own insurer might give you a difficult time when you file a claim. And when that happens, it won't matter whether you've been paying your insurance premiums religiously. This is because insurance companies only care about their best interests, which is about making money.

Insurance providers make money by limiting the compensation they need to pay their claimants. For this reason, some of these companies will devise different tactics to deny a valid claim. However, if you or your loved one ever finds yourself in such a situation, an experienced car insurance attorney might be able to help.

Here's how:

Analyzing Your Insurance Policy

Insurance policies usually contain complex terminology. In fact, most people don't even bother to read through the terms of their contract with the insurance provider. This often works in favor of the insurer, especially after an accident.

You may not know the true scope of your insurance coverage if you don't read through the terms of the contract.

If you feel that you're eligible for a particular coverage, but the insurance company denies it, you can have an insurance attorney review the terms of the contract. The attorney will then let you know whether you're eligible for coverage. And if you're covered, the attorney will help you pursue your claim against the insurer.

Evaluating the Settlement Offer

After a car accident in Daytona Beach, your natural reaction is to file a claim with your insurer. And since you're filing a claim with your own insurance company, you don't expect them to give you a difficult time. But that's not always the case. It won't matter whether you're filing with your own insurance provider or the other party's insurer – these companies are all the same when it comes to protecting their interests.

When you file a claim, chances are the insurance company will offer to settle the case for less than what you truly deserve. This is because insurance companies undervalue claims hoping that the claimants do not understand their rights.

This tactic works most of the time.

The saddest part is that once you agree to sign the release of settlement agreement, you cannot file a new claim with the insurer even after discovering that the initial settlement offer wasn't anywhere near what you were entitled to.

This also explains why insurance companies will contact you shortly after an accident to initiate the claims process. This makes them look like they actually care about you, but that's not always the case. When insurance companies contact you shortly after the accident, it could be because they:

• want you to say something that could jeopardize your claim further down the line;
• hope you'll accept the initial claim and close the case; or
• hope you'll not get an opportunity to speak with an attorney.

Establishing Liability for the Car Accident

Although Florida laws allow you to file a claim with your insurance company after a car accident, there are times when you might be able to file a claim with the other driver's insurer. But that's not all—you might also be able to file a separate claim with another third party involved in the accident directly or indirectly.

As a driver in Florida, you are required to have Personal Injury Protection Insurance, also known as PIP insurance. That's the whole point of filing a claim with your own insurance provider after the accident. However, this kind of insurance can only cover specific damages, as explained below.

What Does PIP Insurance Cover?

A standard PIP insurance covers the following:

Medical expenses: This includes but is not limited to the cost of surgery, medication, and medical equipment.

Lost wages: This applies only if you could not go to work due to the injury caused by the accident.

Caregiving costs: If you needed a caregiver to take care of you after the accident, your own insurance provider should be able to cover the caregiving costs.

Funeral expenses: If your loved one died due to a car accident, their PIP insurance could help pay for the funeral expenses, either partly or wholly.

On the other hand, PIP insurance does not cover certain damages, as discussed below:
 
Property damage: As the name suggests, PIP insurance covers only personal injury, meaning only physical injuries, including the cost of providing care for such injuries.

Therefore, PIP insurance does not cover your vehicle or any other property that was damaged during the accident. However, this doesn't necessarily mean that your insurance won't entirely pay for any property damage. They can do so if you have collision coverage in your policy. But for this to work, you must have added the coverage to your policy because it's usually not part of the PIP coverage.

Excessive medical costs: Although PIP insurance covers your medical expenses, it can only do so up to a certain limit. For example, in Florida, drivers must have PIP insurance of at least $10,000. This means that if your medical costs exceed $10,000, your insurance provider won't cover anything above that amount if that's the kind of coverage you purchased.

So let's say you need surgery, which will cost around $30,000. In that case, your PIP insurance will only cover $10,000, leaving you with the remaining bill of $20,000.

Bear in mind that you can always increase the limit on your PIP insurance coverage if you so wish.

You shouldn't worry about paying medical expenses out of pocket when you have a car insurance attorney. This attorney can help maximize your claim, ensuring you have the money to take care of your medical expenses and other damages caused by the accident. For this to work, your attorney will review the details of the accident and identify the liable party.

Suppose the accident was caused by the other driver's negligence. In that case, your insurance attorney will help you file a claim with your insurance provider and also the other party that caused the accident. A skilled attorney might also be able to file a claim against a third party, depending on the specifics of the accident.

For instance, let's say you were injured in an accident caused by the other driver's negligence, and then the attorney discovers that your airbag failed to deploy, making the injuries even worse. In that case, the attorney might be able to bring a product liability lawsuit against the manufacturer of the airbag. The argument here is that you wouldn't have been severely injured had your airbags deployed.

Negotiating a Reasonable Settlement

The other party's insurance provider won't process your claim simply because you got injured in the accident. On the contrary, chances are they'll want to negotiate the settlement if they've run out of options to dispute your claim. A seasoned car insurance attorney understands the different tactics these companies use to avoid liability for their insured's negligence. For this reason, attorneys are always a step ahead, which is crucial during negotiations.

Besides, they know what's reasonable and what's not. You can count on their experience handling these kinds of cases to help you obtain the settlement you need and deserve after the accident.

Taking Legal Action When Negotiations Fail

Although most car accident claims are settled out of court, that's not always guaranteed. For example, some insurance companies might simply refuse to cooperate with the attorney. And when that happens, the attorney might decide to file a lawsuit against the insurance provider.

If they choose this route, they'll prepare you for what to expect during the court proceedings. In addition, these attorneys will handle all the complex paperwork on our behalf, keep up with strict deadlines, prepare evidence to be presented in court, interview witnesses, etc.

Basically, they'll do whatever it takes to help you win.

Suppose you don't win the lawsuit. That wouldn't be the end - the attorney can help you file an appeal.

Insurance companies make millions of dollars as profits every year. Most of these profits come from unfairly denying policyholders the compensation they need and deserve after an accident. But since these companies make a lot of money, they can always afford some of the best defense attorneys to represent them in court.

For this reason, you also need a fierce team of attorneys to fight for your rights. That's where Morgan and Morgan comes in. We have powerful resources, years of experience, and a proven track record of fighting for our client's rights.

All you need to do is fill out our free case evaluation form. Then, one of our insurance experts will review your claim and let you know how to proceed with your case.