Navigating Car Insurance in Orlando, Florida: Ensuring Adequate Coverage
Why Kemp Law Should be Your Trusted Ally in the Aftermath of an Accident
Car accidents can happen when you least expect them, and being adequately prepared is essential. Orlando, Florida, a city filled with enchanting landmarks, is unfortunately not exempt from road incidents. In this blog, we’ll explore the importance of navigating car insurance to ensure sufficient coverage, highlighting local landmarks and shedding light on why Kemp Law is your go-to ally in post-accident scenarios.
The Orlando Experience: Beyond Theme Parks
Orlando is known for more than just its world-famous theme parks. From the iconic Lake Eola Park to the historic Church Street Station, the city’s rich tapestry extends beyond the rides and attractions. However, the bustling roads connecting these landmarks also witness their fair share of accidents.
Understanding Car Insurance in Orlando
1. Florida’s No-Fault System
Orlando operates under Florida’s no-fault insurance system. This means that, in the event of an accident, your insurance company is generally responsible for covering your medical expenses and lost wages, regardless of who was at fault.
2. Minimum Coverage Requirements
Florida mandates minimum insurance coverage, including Personal Injury Protection (PIP) and Property Damage Liability (PDL). However, these may not be enough to cover all your expenses in a severe accident.
3. Uninsured Motorist Coverage
Given the prevalence of uninsured drivers, opting for uninsured motorist coverage is crucial. This ensures protection if you’re involved in an accident with a driver who lacks insurance or sufficient coverage.
Kemp Law: Your Trusted Advocates
Why Choose Kemp Law?
a. Expertise in Florida Law
Navigating the complexities of Florida’s insurance laws requires seasoned professionals. Kemp Law boasts a team well-versed in the intricacies of local regulations.
b. Personalized Attention
Your case is unique, and Kemp Law understands that. With personalized attention, they strive to tailor their approach to meet your specific needs.
c. Proven Track Record
Backed by a track record of successful cases, Kemp Law has earned the trust of clients in Orlando and beyond.
Local Landmarks and Accident Hotspots
1. I-4 Corridor
As one of the busiest highways in the area, the I-4 corridor, connecting theme parks and downtown Orlando, often sees a high number of accidents.
2. Colonial Drive
A vital east-west artery, Colonial Drive can be prone to accidents, especially during peak traffic hours.
Conclusion: Protect Yourself with Kemp Law
In the aftermath of a car accident, having the right legal representation can make all the difference. Kemp Law understands the nuances of car insurance in Orlando and is dedicated to securing the compensation you deserve.
Ensure your peace of mind on Orlando’s roads. Visit Kemp Law today for expert advice and representation.
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.
