Should I Sue the Driver or the Insurance Company?

After being involved in a car accident you didn’t cause, it’s only normal to want justice. Your life has just been upheaved, you’re struggling to recuperate, the bills are piling up, and you’re struggling to cope with the trauma of the accident. Unfortunately, in many car accidents, it isn’t always easy to tell who is responsible for causing the accident.

Your car accident lawyer in Lakeland could give you a better idea of who could be liable in your case. Most survivors wonder whether they should be suing the driver of the vehicle that struck them or heading to the insurance company for the compensation they deserve.

Continue reading to learn more about how the insurance claims process works after a car accident and when you might have to bring your case to court in Florida.

When to File an Insurance Claim in Lakeland

Florida is a no-fault state when it comes to car accidents. This means that you carry a type of coverage on your auto insurance policy called personal injury protection, or PIP coverage.

When you have PIP coverage, as all Florida drivers are required to do, if you are involved in a car accident, you will file a claim with your own auto insurance company—no matter who is responsible for causing the accident.

When You’ll Have to Go to Court

In some cases, you may not have to bring your case to court. But the insurance company is only obligated to settle up to the limits of your auto insurance policy. So if your losses exceed this limit, or if you are unable to get the insurer to settle your claim fairly, going to court may be the best option if you hope to maximize your injury settlement.

Get Help from a Lakeland Car Accident Lawyer

If you are ready to take charge of your civil case and need exceptional legal representation, contact a qualified Lakeland car accident lawyer at Lopez & Humphries, PA. We provide complimentary consultations to accident survivors across Florida. Take advantage of this opportunity and schedule yours by calling our office at 863-709-8500 or completing the convenient contact form below.