Understanding Car Insurance After a New Port Richey Car Accident
Injured? Confused About Insurance? You’re Not Alone.
If you were injured in a car accident in New Port Richey, dealing with insurance companies can quickly become overwhelming. Between Florida’s no-fault laws, confusing policy language, and adjusters focused on minimizing payouts, many accident victims aren’t sure where to turn — or whether their bills will actually be covered.
At Kemp Law, we help New Port Richey accident victims navigate insurance disputes, challenge denied or delayed claims, and pursue the full compensation they deserve after serious crashes.
Call (727) 788-6792 for a FREE consultation.
How Florida Car Insurance Applies After a New Port Richey Accident
Florida is a no-fault insurance state, which means your own insurance typically pays first — regardless of who caused the accident.
Insurance Coverage That May Apply
Personal Injury Protection (PIP)
- Covers medical expenses and a portion of lost wages
- Minimum required coverage is $10,000
- Often runs out quickly after emergency care, imaging, or physical therapy
Property Damage Liability (PDL)
- Covers damage you cause to someone else’s vehicle or property
- Minimum required coverage is $10,000
- Does not cover repairs to your own vehicle
While these coverages are mandatory, they are frequently insufficient after serious accidents on roads like US-19, Little Road, or near busy areas of downtown New Port Richey.
Why Insurance Coverage Often Isn’t Enough After a Crash
Many New Port Richey accident victims face unexpected financial strain because:
- Medical bills exceed PIP limits within days or weeks
- The at-fault driver carries only minimum coverage — or no insurance at all
- Insurance companies delay, deny, or undervalue valid claims
- Victims are pressured to settle before understanding the full extent of their injuries
Without experienced legal guidance, these issues can leave injured drivers paying out of pocket for care they shouldn’t have to cover themselves.
Common Insurance Problems We See in New Port Richey Cases
PIP Delays and Denials
Insurers may claim:
- Treatment wasn’t medically necessary
- Care wasn’t sought within Florida’s 14-day deadline
- Medical bills exceed “reasonable” charges
Underinsured or Uninsured Drivers
If the at-fault driver has little or no insurance, your recovery may depend on uninsured/underinsured motorist (UM/UIM) coverage, which insurers often contest aggressively.
Low Settlement Offers
Insurance companies frequently make quick offers that don’t reflect:
- Long-term medical needs
- Lost income
- Pain, suffering, or permanent injury
Why You Shouldn’t Handle Insurance Claims Alone
Insurance adjusters are trained to protect their company’s bottom line — not your recovery.
Without an attorney, you risk:
- Accepting an inadequate settlement
- Missing important deadlines
- Saying something insurers later use against you
- Being left with unpaid medical bills
Kemp Law Group understands how insurance companies evaluate claims and how to push back when they act unfairly.
How Kemp Law Group Helps New Port Richey Accident Victims
We help clients by:
- Handling all communication with insurance companies
- Challenging denied or delayed PIP claims
- Pursuing compensation beyond no-fault limits when injuries are serious
- Identifying all available insurance coverage
- Holding insurers accountable for bad-faith practices
Our goal is simple: protect your rights and maximize your recovery so you can focus on healing.
What to Do After a New Port Richey Car Accident
- Seek medical attention immediately — even if symptoms seem minor
- Document everything — medical records, bills, photos, and insurer communications
- Do not accept a settlement without legal advice
- Contact an experienced accident attorney as soon as possible
Early legal involvement often makes a significant difference in the outcome of insurance claims.
You Don’t Have to Navigate Insurance Confusion Alone
If you were injured in a New Port Richey car accident and are struggling with insurance issues, Kemp Law Group is here to help.
Call (727) 788-6792 for a FREE consultation. We’ll review your situation, explain your options, and fight for the compensation you deserve.
