Posts Tagged ‘car insurance’
Wednesday, October 21st, 2009
It’s never a good excuse to save money by driving without car insurance, but what happens if you are involved in a car accident and you are uninsured? Florida Department of Highway Safety and Motor Vehicles says that you should attempt to purchase a full liability insurance policy as soon as possible. Doing so might get you some assistance from your new insurance company.
Of course you will need to advise the car insurance company that you were involved in a car accident without the proper insurance coverage. In the state of Florida, driving without car insurance can lead to getting your driver’s license suspended.
Florida Department of Highway Safety and Motor Vehicles (DHSMV) suggests that you try to negotiate with the other driver involved or their insurance company to settle any damages. If you are unable to pay for such damages, try to negotiate a monthly payment agreement. Document the agreement (put it in writing) to legitimize it and keep proof of payments in your household files. Paying by check, for example, is a great method of proving payments.
Remember, that if the car insurance company compensates the other person for their damages, the insurance company will in turn seek satisfaction of damages from you. If injuries are involved, contact an Florida attorney that specializes in car accidents to better understand your rights. Many attorneys offer a free initial consultation.
Tags: accident, attorney, car insurance, dhsmv, drivers license, florida, insurance, policy, uninsured
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Wednesday, October 21st, 2009
Florida residents and tourists driving in Florida this winter might benefit from these quick no fault car accident reminders. If you are involved in a car accident in Florida, remember these 10 points:
- Florida law requires you to stop if you are involved in a car accident. Driving away will only make matters worse.
- Check yourself , others around you, and any other cars involved for injuries. Call Emergency Medical Services 911 if necessary.
- Cars with minor damage need not block the roadways. If the cars are safe to move, do so. Take a few quick pictures if a digital camera or cell phone camera is available. Your pictures should capture the position of the cars on the roadway.
- Call the police. Florida Highway Patrol can be reached using your cell phone if you dial *FHP or *347.
- It’s generally a good idea to not discuss the accident with others. Instead, discuss the accident with the police if necessary.
- Seek immediate medical attention if you are injured, or think you might have been injured.
- Notify your insurance company to report the accident. Your insurance company will explain what you will need to do next.
- You will need a copy of the police report. Ask the police man or woman for their name and badge number to make finding them later easy.
- Contact an attorney that specializes in Florida car accidents. This is not necessarily the last step. You will generally want to contact an attorney prior to giving any recorded or written statements and to learning your rights and responsibilities.
- Complete your Auto Accident Report Form as soon as possible. The longer you wait, the less likely you are to remember important facts about the car accident. Contact your insurance company to obtain an auto accident report form.
Need car insurance? Get a free no fault insurance quote online now.
o eliminate the possibility of suspension, you should purchase a full liability insurance policy (includes bodily injury liability) as soon as possible and advise the company that you were involved in an uninsured crash and may need a Form SR-22 (certification of liability insurance) in the future.
Tags: accident, attorney, auto insurance, car insurance, florida, florida highway patrol, injury, insurance, no fault, pictures, police, report
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