How to Obtain Insurance Information in a Personal Injury Case in Florida
If you sustained injuries in any type of accident in Florida due to someone else’s negligence, you likely want to obtain a copy of any applicable liability insurance policies in order to seek compensation for your injuries. In Florida, it is rather easy to acquire insurance information. However, it may take some time. This blog post is applicable to all types of accidents in Florida including car accidents, slip and falls, products liability, etc. If you or a loved one sustains injuries in any type of accident in Florida, it is crucial to know the insurance information for the at-fault party or company for two main reasons. First, the insurance provider for the at-fault party or owner will be the responsible for your damages and injuries. And Second, if you are involved in a motor vehicle accident and you purchased uninsured motorist (UM) coverage or underinsured coverage, your insurance provider will not pay for your injuries or damage until the limits of the at-fault party’s insurance policy are surpassed.
Make sure to request insurance information in writing. While the insurance adjuster may tell you their insured’s bodily injury liability policy limits over the phone, it is best practice to get this information in writing to avoid any errors made by the insurance adjuster. Additionally, if you have been injured in a motor vehicle accident in Florida, Florida law requires the insurance company to provide you with certain information within 60 days of receiving your request. You want to make sure the insurance company complies with this deadline and the best way to do so is to document all communications with your insurer. We recommend email, fax, or mail sent as certified when requesting insurance policy information. In Florida, Fla. Stat. § 626.9372 states that all insurance companies must disclose within 60 days after the written request of the claimant, a statement of a corporate officer or the insurer’s claims manager or superintendent setting forth the following information with regard to each known policy of insurance, including excess or umbrella insurance: the name of the insurer, the name of each insured, the limits of the liability coverage, a statement of any policy or coverage defense that such insurer reasonably believes is available to such insurer at the time of filing such statement, and a copy of the policy. In addition, the insured, or her or his insurance agent, upon written request of the claimant or the claimant’s attorney, shall disclose the name and coverage of each known insurer to the claimant and forward such request for information as required by Florida law.
The simplest way to find out the name of the liability insurer is to look at a police report. Once you find out the name of the liability insurance company, the best way to find an address for an insurance company that provides insurance coverage to policyholders in Florida is to go to the Florida Office of Insurance Regulation Website. On the website you can go ahead and enter the first word or name of the insurance company and additional information should populate. If for some reason you’re not able to locate the contact information for an insurance company, it is due to one of the following reasons:
1. Check to see if you spelled the name of the insurance provider correctly.
2. You may have the name of the wrong insurance company. If this occurs, search online for the name you have and see if they serve policyholders in Florida.
3. The insurance company may not be properly licensed to sell insurance products to consumers in Florida.
Contact an Experienced Personal Injury Attorney Today!
There is no replacement for quality legal advice after being involved in a car accident. The car accident attorneys at Suarez and Montero would love to have an opportunity to explain the law in Florida to assist you in presenting a strong claim against the at fault party. Every firm is distinctive and auto accident victims have needs that are also distinct. needs are different. The Florida auto accident attorneys at Suarez & Montero encourage you to reach out so that we can explain more about the different ways that our law firm and attorneys can provide legal help and guidance after an auto accident. Make an appointment with us at one of our many locations. Remember, we work on a contingency basis so you will owe us nothing If we are unable to obtain successful results for your case. The attorneys at Suarez & Montero can meet with you to discuss further. always available to talk with you and answer your questions. Our skillful attorneys are genuinely committed to our clients. We will fight to make sure that you get the maximum amount of compensation owed to you. Let us help you get the medical care you need and fight to make sure you are compensated for your injuries! Our attorneys are ready to provide proven legal representation in pursuing your claim and stand ready to protect your rights. We are available 24/7 to give you a free, no risk case consultation.
We serve clients throughout Florida including those in the following areas:
Miami-Dade: Aventura, Coral Gables, Doral, Fontainebleau, Hialeah, Homestead, Kendall, Miami, Miami Beach, Miami Lakes, North Miami, Tamiami, and Westchester.
Broward: Fort Lauderdale, Hallandale Beach, Hollywood, Pembroke Pines, and Weston; and Palm Beach County including Boca Raton, Lake Worth, and West Palm Beach.
The Law Offices of Suarez & Montero Car Accident Attorneys represents accident victims injured in various types of accidents including:
• Distracted Driving Accident Lawyers
• Drunk Driving Accidents
• T-Bone Car Accidents
• Road Rage Car Accidents
• Head-on Collisions
• Rollover Accidents
• Rear-end Car Accidents
• Left Turn Accidents
• Failure to Yield Car Accidents
• Sideswipe Accidents
• Merging Accidents
• Lane Change Accidents
• Construction Zone Car Accidents
• Truck Accidents
• Semi-Truck Accidents
• Bicycle Accidents
• Train Accidents
• Pedestrian Accidents
• Boating Accidents
