Understanding Car Insurance After a Fort Lauderdale Accident
Don’t Let Confusing Coverage Rules Cost You Compensation
If you were injured in a Fort Lauderdale car accident, dealing with insurance companies is probably one of the toughest parts of the recovery process. Florida’s insurance system is complex, insurers are trained to minimize payouts, and the difference between a fair settlement and financial hardship often comes down to understanding your rights and having an experienced advocate on your side.
Kemp Law Group helps Fort Lauderdale accident victims navigate insurance disputes, maximize recoveries, and fight back when insurers refuse to pay what you deserve.
Call now for a FREE consultation: (727) 788-6792
Florida’s Insurance Framework — What You Really Need to Know
Florida is a no-fault state. That means after an accident, you generally must first file with your own insurance.
Primary Coverages That Apply After a Crash
Personal Injury Protection (PIP)
- Pays your medical bills and a portion of lost wages no matter who caused the accident.
- Florida requires at least $10,000 in PIP, but this often isn’t enough for serious injuries.
Property Damage Liability (PDL)
- Pays for damage you cause to someone else’s property.
- Minimum required is $10,000 — often insufficient for modern vehicle repair costs.
Why Florida’s Minimum Insurance Often Falls Short
Even with PIP and PDL, many drivers face large bills after a crash because:
- Medical costs climb quickly: ER visits, imaging, surgery, therapy — $10,000 can be exhausted in days.
- Many drivers lack additional liability coverage: Florida does not require Bodily Injury Liability (BIL) unless certain violations are involved.
- Uninsured or underinsured drivers are common: Without your own uninsured/underinsured motorist (UM/UIM) coverage, your recovery options may be limited.
Common Insurance Problems After an Accident
Your insurer denies or underpays your PIP claim
Insurers often dispute claims by claiming:
- The treatment wasn’t “medically necessary”
- You didn’t seek medical care soon enough
- Treatment costs exceed “usual and customary” amounts
The at-fault driver has minimal coverage
Minimum liability limits often won’t cover full medical expenses, pain and suffering, or long-term care.
Your own UM/UIM claim gets contested
If the at-fault driver is uninsured or underinsured, your insurer may:
- Delay paying benefits
- Argue coverage doesn’t apply
- Lowball the value of your injuries
Insurance companies don’t automatically pay what you’re owed — especially when the dollar amount is high.
Why You Need an Attorney — Insurance Companies Are Not On Your Side
Insurance adjusters have one job: minimize payouts.
Without legal help, you may end up with:
- A settlement that doesn’t cover your bills
- Bills going to collections
- Lost income you’ll never recover
Kemp Law Group’s attorneys know how insurance companies value claims and how to counter tactics that reduce your compensation.
How Kemp Law Group Helps Accident Victims
Maximize Your Claim Value
We push insurers to:
- Properly acknowledge your injuries
- Pay all benefits you’re owed under Florida law
- Fully compensate you for medical bills, lost wages, and pain and suffering
Handle All Insurance Disputes
We manage:
- PIP disputes and denials
- UM/UIM claims against your own insurer
- Third-party liability negotiations
- Bad-faith insurance practices when insurers act unreasonably
Provide Strong Representation in Fort Lauderdale
We understand how local insurers operate and how Florida’s laws affect your claim — giving you a strategic advantage.
What to Do Next After Your Fort Lauderdale Accident
- Don’t accept the first offer.
Insurers often start with lowball settlements. - Document everything.
Keep medical records, bills, correspondence with insurers, and accident details. - Contact an attorney immediately.
The sooner Kemp Law Group gets involved, the better we can preserve evidence, challenge unfair practices, and build your case.
Frequently Asked Questions
Can I still sue the at-fault driver even with no-fault insurance?
Yes — if you suffered a serious injury under Florida’s legal standard, you can step outside the no-fault system and pursue full compensation.
What if the other driver has no insurance?
Your UM/UIM coverage should protect you — but insurance companies often fight these claims. You need experienced counsel to enforce your rights.
How long do I have to take action?
Insurance policies and Florida law impose deadlines. Acting early preserves your rights and strengthens your claim.
You Don’t Have to Fight Insurance Companies Alone
Insurance rules are confusing. Insurers have teams working to protect their interests — you deserve legal counsel working to protect yours.
You carry insurance to protect yourself. We make sure it actually does.
Free consultation: (727) 788-6792. Contact us online to review your claim and explore your options.
