Auto Accident Attorney Near Me: Understanding Auto Insurance in Florida

Auto insurance is used to help owners of motor vehicles protect themselves, whether they cause an accident or are the victim of an accident. After an accident and when it is safe to do so, the owners or drivers of each vehicle must share their auto insurance information. Next, the parties inform their respective auto insurers of the accident. 

In straightforward cases where there's property damage but minimal (if any) bodily harm, a settlement offer is made and accepted. If anyone suffers any bodily injury at all, though, it's important to keep in mind that once you accept a settlement offer and receive the payout, you cannot return to the auto insurance company with an update on your recovery and request further compensation. Speaking to a personal injury attorney in Florida will help you better understand your options. Call Rodriguez and Williamson, PLLC today at 813-320-7500 today to schedule a Free to discuss your case and to make sure you know all your legal options so you can make an informed decision.

How Car Insurance Works in Florida

At a fundamental level, car insurance is an agreement between a for-profit insurance company and the policyholder(s). Policyholders may be an individual, a group of individuals of a particular class (e.g., a family), occupants of a vehicle, or a company. 

When an insurance policy is taken out, the policyholder makes regular payments, known as premiums, to the insurer. Essentially, in return, the insurance company agrees to cover the costs of damages associated with an accident, but only agrees to pay in accordance with limits established by the insurance policy. 

An insurance policy can include first-party insurance, which covers property damage or bodily injury suffered by the person(s) named on the policy. It also includes third-party insurance, which is insurance purchased by a person or company to protect them against liability for property damage or bodily harm they (or someone on their behalf) cause. 

Insurance Adjusters and the Claims Process

If you are in an accident, one of the first steps you take after the accident is to contact your insurance company. The company will send an insurance adjuster to investigate the claim, decide whether it has merit, and determine how much to pay.

What many drivers do not understand about the claims process is that the insurance company is a for-profit entity that has a vested interest in keeping its costs low. One of their largest expenses is settlement payouts. By underpaying or avoiding claims, insurance companies increase their profits.

It's irrelevant whether you file a first-party or third-party claim because the insurance company prioritizes profits. Even if you are their customer, your needs are secondary to the company's mission.

Many insurance companies also employ and train claims adjusters and attorneys to be aggressive. It is not uncommon for them to use manipulation or intimidation to reduce or avoid a settlement.  

The Alternative to a Settlement Offer: A Personal Injury Claim in Tampa

Drivers who have filed a claim with their insurance provider will likely get a settlement offer by the insurance company. This settlement offer may be far less than what the injured party needs to recover in order to be made whole or the closest thing to it. The terms of the offer, however, are designed to make it seem like the driver is actually getting a good deal.

Many injured parties take the settlement offer because they are desperate and need the money immediately. Many of them only realize months later how little they received in light of the true extent and nature of their injuries.

If you have been injured in an auto accident, you do not have to accept the settlement offer. You can hire a lawyer and, if in your best interests, you can file a personal injury claim. Through a personal injury claim in civil court, you have more flexibility, and your attorney has more tools they can use to negotiate a settlement in your favor or opt to go to trial to get you the best possible settlement. 

Contact an Auto Accident Attorney in Florida Today

At Rodriguez and Williamson, PLLC, we know you are dealing with a lot right now. Auto accidents, even when the property damage and bodily injury are not severe, takes a toll on a person. It is a hassle to deal with insurance companies, especially when the auto insurance adjusters are intimidating. Our auto accident lawyer will do all the work for you, so you can worry about your recovery and not worry about if you are going to get the compensation you deserve. Contact our office today at 813-320-7500 to schedule a Free and learn more about how we can help you.

Auto insurance is designed to assist owners of motor vehicles in protecting themselves financially in the event of an accident, regardless of whether the owner is at fault. Following an accident, the owners or drivers of each car are required to exchange information regarding their respective auto insurance policies as soon as it is safe to do so. The next step is for each party to notify auto insurers about the collision.


In basic circumstances, a settlement offer is typically offered and accepted when there has been some damage to property but very little (if any) harm to the plaintiff's body. Suppose, however, that someone sustains any physical injury at all. In this scenario, it is essential to remember that once you have accepted a settlement offer and received the payout, you are not allowed to go back to the auto insurance company with an update on how well you are recovering and ask for it additional compensation. This is something that you should keep in mind. You will gain a better understanding of your alternatives by consulting with a personal injury attorney in the state of Florida. Dial the number 813-320-7500 right now to schedule a free consultation with Rodriguez and Williamson, PLLC, to talk about your situation and find out everything you need to know about your legal alternatives so that you can make an intelligent choice.

How Automobile Insurance Operates in the State of Florida

Car insurance is, at its core, an arrangement between a private insurance company that is making a profit and the individual covered by the policy (s). Policyholders might be individuals, groups of people who belong to the same category as each other (for example, a family), occupants of a vehicle, or even a business.

When a person purchases an insurance policy, they must pay what is known as premiums consistently to the insurance company. However, the insurance company will only pay out claims per the limits outlined in the insurance policy. In exchange for this, the insurance company will cover the costs of damages associated with an accident.

First-party insurance is a type of insurance that can be included in an insurance policy. This type of insurance pays for any property damage or bodily harm caused to the person(s) mentioned on the policy. In addition, it encompasses third-party insurance purchased by an individual or business to shield them from legal responsibility for physical harm or financial loss caused by them or someone acting on their behalf.

The Claims Process and the Role of Insurance Adjusters

If you are involved in an accident, one of the first things you should do following the collision is get in touch with your insurance provider. The company will dispatch an insurance adjuster to investigate the claim, assess whether or not it is valid, and calculate an appropriate settlement amount.

What many drivers need to understand about the claims process is that the insurance company is a for-profit entity with a vested interest in keeping its costs low—one of their most significant expenses in settlement payouts. This is something that the insurance company has a vested interest in doing because it has a vested interest in keeping its costs low. Insurance firms can improve their earnings by either underpaying claims or avoiding them altogether.

Because the insurance company prioritizes profits, it makes no difference whether you submit a claim against a first or third party. Even though you are the company's customer, your requirements take a back seat to the objective of the business.

Many insurance companies also employ claims adjusters and attorneys and instruct them to be combative. They frequently resort to manipulative or intimidating tactics to lower the settlement amount or avoid it altogether.

A Personal Injury Claim in Tampa Is an Option If You Do Not Want to Accept a Settlement Offer

The insurance company will likely make a settlement offer to drivers who have already filed a claim with their automobile insurance supplier. This settlement offer may be far lower than what the injured party requires to recover from being made whole or anything very near to it. On the other hand, the terms of the offer are constructed to give the impression that the driver is receiving a favorable deal.

Many wounded parties accept the settlement offer because they are in a difficult financial situation and require the money immediately. Many of them don't know how little they received until several months later, in light of their injuries' exact amount and nature.

If you have been hurt due to a car accident, you are not required to agree to the terms of the settlement offer. You can retain legal counsel and pursue a personal injury claim if doing so is in your best interests. Choose to file a claim for personal injury in civil court. You and your attorney will have greater leeway and access to a broader range of resources to negotiate a favorable settlement on your behalf or decide whether or not to proceed to trial to secure the best financial outcome for you.

Get in Touch With a Personal Injury Lawyer in Florida Right Away

We at Rodriguez and Williamson, PLLC, know you juggle many responsibilities. Automobile collisions can have a significant psychological impact on a person, even when the resulting injuries and property damage are not severe. Dealing with insurance companies may be painful, and coping with intimidating vehicle insurance adjusters can worsen the situation. Our auto accident attorney will take care of everything for you so that you can focus on getting better and not have to worry about whether or not you will be awarded the compensation to which you are entitled. Call our office at 813-320-7500 to schedule a free consultation and learn more about how we may assist you.

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