Car Insurance in Atlanta, Florida: How an Attorney Can Help After an Accident
When you’re driving around Atlanta, Florida, from the serene shores of Lake Alice to the bustling shops near the Atlanta Town Center, having the right car insurance is crucial. Car accidents can happen anywhere, and in a city like Atlanta, it’s vital to make sure you’re adequately covered. If you’re involved in an accident and encounter challenges with insurance claims, consulting an experienced car accident attorney in Atlanta, Florida, can help. An attorney can assist in navigating complex claims, handling disputes, and ensuring you receive the compensation you deserve for medical expenses, vehicle damage, and other losses.
Understanding Car Insurance in Atlanta, Florida
Car insurance is a must for all drivers in Florida, including those navigating the scenic routes around Atlanta. However, not all policies offer the same level of coverage. It’s important to understand what types of coverage are available and how much you might need:
- Personal Injury Protection (PIP): Florida is a no-fault state, which means your own insurance policy covers your medical expenses and lost wages, up to a certain amount, regardless of who caused the accident. The minimum required coverage is $10,000, but medical costs can exceed this amount quickly after an accident. Make sure your PIP coverage is sufficient.
- Property Damage Liability (PDL): This covers damages you cause to someone else’s property, like their car or fence. The state minimum is $10,000, but increasing this limit can help protect your assets in case of a major accident.
- Bodily Injury Liability (BIL): Although not required in Florida, this coverage protects you if you’re at fault in an accident that injures others. Considering the busy streets around Atlanta, such as the intersections near Atlanta Boulevard, having BIL coverage can provide peace of mind.
- Uninsured/Underinsured Motorist Coverage: With many drivers in Florida lacking sufficient insurance, this coverage protects you if you’re involved in an accident with an uninsured or underinsured driver. This is particularly important when driving through high-traffic areas like around the Atlanta Civic Center.
Why Adequate Coverage Matters in Atlanta, Florida
In Atlanta, accidents can happen even in familiar places. For example, near the popular Lake Alice Park, drivers often encounter unexpected hazards like jaywalking pedestrians or sudden stops from other vehicles. With the right coverage, you can ensure that your expenses are covered without the added stress of out-of-pocket costs.
The bustling Atlanta Town Center is another area where accidents frequently occur due to high traffic volume and narrow lanes. Drivers may face fender benders, collisions, or even more severe accidents. Having adequate insurance coverage helps you stay financially secure if you’re involved in a mishap in these busy areas.
How Kemp Law Group Can Help You
Choosing the right legal representation after an accident is essential. Kemp Law Group stands ready to assist you with navigating the complexities of insurance claims and ensuring that you receive the compensation you deserve. Whether your accident occurs near the peaceful Atlanta Botanical Garden or on the busy Atlanta Main Street, Kemp Law Group will work tirelessly to protect your rights.
With Kemp Law Group, you get a dedicated team that understands the nuances of car accident cases in Atlanta, Florida. We are committed to helping you achieve the best possible outcome, guiding you through each step of the process. Trust us to handle your case with care, attention, and commitment to your best interests.
Contact Kemp Law Group Today
If you’re in an accident in Atlanta, Florida, don’t face the insurance companies alone. Contact Kemp Law Group today to ensure you have the right advocate on your side. Visit www.kemplaw.com to learn more about how we can help you through this challenging time.
FAQs
you deserve answers
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How Do I Know Who Was At-Fault?
Fault is determined by the evidence collected during the investigation. We look to many things to determine fault in the case: we look to the police report, we look to witness statements, we look to the property damage to the vehicles, skid marks, layout of the cars, etc. Sometimes we even have to refer to accident re-constructionists to do a professional examination of the all the evidence to do a recommendation for us, but that does not happen in very many cases.
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Will I Recover Monetary Damages?
It depends on who was at fault for the accident. If you were at fault, your insurance company will pay for the damage to the vehicle. If you were not at fault, the at-fault driver’s or owner’s insurance policy will pay for the damage, and if they do not have enough coverage to cover the damage to your vehicle, your collision coverage (if purchased) would pay for the damage to your vehicle.
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What Documents Will I Need?
We like you to bring the driver’s exchange of information that the police officer gives you at the scene. We also like you bring any photographs of damage at the scene. Also bring your health insurance cards and your auto insurance cards or declarations page, so we can review the coverage available to you.
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What Should I Say To The Insurance Company?
The at-fault party’s insurance company could ask you to give them a recorded statement. You do not have to give them a recorded statement. However, if your own insurance company asks you for a recorded statement please seek advice from your attorney so that they can assist you in giving that statement. But yes you do have to comply and you do have to give your insurance company a recorded statement.
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Will I Have To Go To Court?
Actually, most cases, or a large percentage of the cases are resolved pre-suit, which means the cases never go to court. We work with the insurance companies before filing suit to try to find a fair resolution for the client, which save money on expenses, court costs and attorney’s fees.
