Understanding Car Insurance After a St. Petersburg Car Accident
Confused About Car Insurance? We Can Help.
If you were injured in a car accident in St. Petersburg and don’t understand what your insurance actually covers, you’re not alone. Many accident victims quickly find themselves overwhelmed by medical bills, confusing policy language, and insurance adjusters who seem more focused on saving money than helping them recover.
At Kemp Law Group, we help injured St. Petersburg drivers cut through insurance confusion, challenge denied or delayed claims, and pursue the compensation they need after serious crashes.
Call (727) 788-6792 now for a FREE consultation.
Injured in a St. Petersburg Crash? Here’s Why Insurance Gets Complicated Fast
Florida’s insurance system is confusing even under the best circumstances. After a serious accident, it can feel impossible to keep up — especially when you’re hurt.
Common issues we see after St. Petersburg accidents include:
- Medical bills piling up before insurance pays anything
- PIP benefits running out far too quickly
- Conflicting information from adjusters
- Pressure to accept a settlement before injuries are fully understood
These problems are especially common after crashes on I-275, U.S. 19, Central Avenue, and busy downtown corridors.
Why Your Insurance May Not Cover Everything
Even if you did everything “right,” Florida’s required insurance often isn’t enough after a serious accident.
Personal Injury Protection (PIP)
- Covers a portion of medical bills and lost wages
- Limited to $10,000
- Frequently exhausted after ER care, imaging, or physical therapy
When Another Claim May Be Necessary
If your injuries are serious or permanent, you may be able to pursue compensation beyond PIP — but insurers rarely explain this unless you have legal help.
Insurance Companies Don’t Make This Easy
After an accident, insurers may:
- Delay your claim while bills continue to arrive
- Question whether your injuries are “serious enough”
- Deny care as unnecessary or unrelated
- Offer quick settlements that don’t reflect long-term harm
Without legal representation, many injured drivers unknowingly accept far less than they deserve.
How Kemp Law Group Helps Injured Drivers in St. Petersburg
When you call us, we step in immediately to:
- Take over all insurance communications
- Identify all available insurance coverage
- Push back against delays and denials
- Fight for compensation beyond no-fault limits when allowed
- Protect you from bad-faith insurance practices
Our job is to handle the insurance stress so you can focus on recovery.
What to Do Right Now After a St. Petersburg Car Accident
If you’re hurt and insurance is confusing, these steps matter:
- Get medical care right away
- Avoid giving recorded statements without legal advice
- Do not accept a settlement too early
- Speak with an experienced accident attorney as soon as possible
Early action often makes a significant difference in how insurance claims are handled.
Get Help Now — Free Consultation Available
If you were injured in a St. Petersburg car accident and are struggling with insurance issues, you don’t have to handle this alone.
Call (727) 788-6792 now for a FREE consultation. Kemp Law Group is ready to help you understand your options and fight for the compensation you deserve.
