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

Unfortunately, your insurance company probably can raise your rates after a claim, even if you aren’t at fault. Your insurance policy will dictate when your insurance company can raise rates and under what circumstances. 

If your policy specifically prevents or limits rate increases after an accident where you aren’t at fault, and your insurance company does it anyway, it violates your contract. An experienced car insurance lawyer can help you file a lawsuit for breach of contract if this happens.
 

As a good rule of thumb, you should always initiate the claims process after an accident. This both acts as a notification to your insurance company that you were involved in an accident and gets the ball rolling if you end up needing significant compensation for damage and injuries. 

Many insurance policies also include time limits to make a claim. And if you don’t file in time, you may be forfeiting your right to receive compensation.

Just because you have initiated a claim doesn’t mean you have to follow through. Up until the moment you receive payment, you can choose to dismiss your claim. This means you can find out what compensation your insurance company is offering before making your final decision. 

If you have minor damages or injuries, you may decide you are better off not having a claim against your insurance for minimal benefit.

There are a lot of ways to assign value to a car. Most evaluations are based on the age of the car and the number of miles it has been driven. If your car has been driven considerably fewer miles than expected for the age of your car, you may be able to argue that it is worth more than most comparably aged cars. 

Also, if you have refurbished the car in some way, it may have more value than similarly aged cars. Your car insurance attorney can help you dispute an evaluation that you think undervalues your vehicle.

Only 12 states in the U.S. are no-fault states. In all other states, the insurance company of the driver at fault covers all or the majority of payments. If you are in an accident in one of those other states, you should still file a claim with your insurance company. 

State laws may allow your insurance company to recoup from the other insurance company or may require you to also file a claim with the other insurance company, but those are issues that can be dealt with later in the process.

Morgan and Morgan has branches in every state in the country. So even if you have gotten into an accident in another state, you can still be represented by an experienced and knowledgeable car insurance attorney.

Hurricane season comes every year in DeLand, FL. And usually, there are at least a few high-category hurricanes that cause massive flooding and wind damage. These hurricanes damage and destroy countless vehicles and homes. If your vehicle was damaged or destroyed in a hurricane, you might be eligible for compensation.

Whether you can recover money depends on what your insurance policy covers. Some policies exclude natural disasters or specific natural disasters, like flooding. 

The best way to ensure that your car is covered no matter what happens is to purchase the right policy in advance. If there is any gray area in your policy, your insurance company will try to use it to deny you coverage.

Your insurance company has a contract with you. Your insurance company is also bound by state law. If your insurance company breaks the law or breaches the contract, you have the right to sue for damages. 

Even though Florida is a business-friendly state, with the right attorney, you can get all of the money you deserve by filing a lawsuit against your insurance company.
 

Florida requires that you have at least $10,000 of PIP coverage to drive a vehicle. This shouldn’t be a problem because no insurance company in the state will let you purchase less when you purchase insurance coverage. The only way you could have less than the minimum required is if you don’t have any car insurance coverage.

Having no coverage is something you should avoid at all costs. Driving without coverage could result in criminal consequences and will likely result in having your license stripped. If you were in an accident and driving without appropriate coverage, you should speak with the best car insurance attorney in DeLand as soon as possible.

If you are looking for the best car insurance lawyer in DeLand, Morgan & Morgan is the law firm you are looking for. Our experienced attorneys have an excellent record of getting fast and fair settlements from insurance companies. Contact us today to schedule your free initial evaluation of your car insurance case.