Recovering damages for injuries is ultimately about recovering money to compensate you for your losses. What happens if the person against whom you have a claim does not have the money to pay your claim? This is where insurance comes in. The existence and amount of insurance coverage is a key factor in assessing an injury case. Insurance coverage makes collecting a settlement or judgment much easier. A skilled South Florida insurance claims attorney with experience dealing with insurance companies can assist you in navigating this system and recovering the damages owed to you.
Drivers in Florida and throughout the United States must have insurance in order to legally drive a car or other automobile. Auto insurance can provide coverage for injuries and damages sustained in an accident, as well as liability coverage for a driver who causes an accident. The liability coverage allows payment of damages to an injured person up to a certain amount, known as the policy limit. Florida requires all licensed drivers to have insurance coverage with a minimum policy limit of $10,000 for property damage.
Businesses often get insurance coverage for general liability, which covers injuries and other accidents that may occur as part of normal business activities. This may include coverage for injuries to a customer on a business’ property, such as a slip and fall accident, or coverage for damage to a customer’s property. Businesses may obtain insurance to cover claims for illegal acts by their employees, such as if an employee of a company steals something from a customer. Manufacturers and designers of products may purchase insurance for injuries caused by defects in their products that cause injuries.
Individuals may also obtain insurance coverage for injuries on their property. This is typically included in a homeowner’s or renter’s insurance policy. Such a policy would cover injuries like slip and fall, dog bites, or other hazardous conditions. People may also obtain insurance coverage for their own liability outside the home, often known as a personal umbrella policy. This can provide coverage for a person for accidents that would not be covered under a standard auto or homeowner’s policy.
Specialized insurance coverage is available to professionals such as doctors and covers particular types of injuries or harm. Commonly known as malpractice insurance, this provides for payment of claims for injuries caused by errors made by medical professionals, as well as other professions, during the course of their professional service. This could include errors in diagnosing an illness, prescribing or disbursing medication, or performing surgery.
The existence of insurance coverage gives an injured person an alternative to litigation. An insurance adjuster who works for the insurer will assess your case and make a recommendation on paying a claim. Our lawyers will attempt to negotiate a settlement with the insurance company. If settlement is not possible, only then would the case proceed to litigation. Insurance, therefore, often offers a less expensive and more efficient means of resolving a dispute over damages.
The Deerfield Beach insurance claims attorneys at Goldman & Daszkal, P.A., are experienced with all types of insurance and insurance claims, and can help you find the best way to collect the damages owed to you. Contact the firm through this website or at 954-428-9333 for a free and confidential consultation to discuss your case.