When you bought your car insurance, you probably searched the internet
or called several insurance agents and chose to buy the insurance that
was offered at the lowest price. This is what most people do. Money is
tight, so we look for a good deal. But, low cost insurance may not be
a good deal if you don't have enough coverage in the event of a
West Palm Beach auto accident. How much insurance is enough insurance?
First, why do you need insurance?
If you are like most people, you bought car insurance because it is required
by Florida law. The main reason for insurance is to protect you from having
to pay damages out of your own pocket if you cause an accident.
Florida law requires that the driver responsible for a Florida car crash
pay the damages associated with that accident.
Can you imagine having to pay your own medical bills and repairs to your
car out of your own pocket? It would certainly make a dent in your budget.
What if you also had to pay another person's medical bills and property
damage and had to compensate them for time missed from work and other
possible expenses? You may end up having to re-mortgage your house or
worse. Purchasing insurance protects you from the financial obligations
of an accident. When you have insurance, the insurance company assumes
responsibility for paying damages up to the limits of your coverage. If
damages exceed the limits of your coverage, the injured person can hire
a West Palm Beach personal injury attorney to sue you in civil court for
any damages you cause above your insurance limits. Those damages may come
out of your personal assets.
If you are injured in a car accident and another driver is at fault, that
driver is responsible for paying your medical bills, car repair expenses,
and reimbursing you for time lost from work. Usually, the driver's
car insurance company pays these expenses up to the limits of their coverage.
But, what if they don't have insurance?
You can hire an
auto accident attorney in West Palm Beach to sue that driver for damages. But if the driver has no money or no assets,
you will not be paid.
Auto accident attorney Craig Goldenfarb suggests that you review your
insurance policy and check that you are covered regardless of who causes
the accident. To learn more about buying car insurance, request our informative
What Types of Car Insurance Do I Need?
If you have been injured in a car accident in West Palm Beach and have
questions about your insurance coverage or your Florida accident claim, please
contact the Law Offices of Craig Goldenfarb, P.A. at (561) 600-5605. Ask to schedule a free consultation with an auto accident
attorney in West Palm Beach.