After an accident, one of the first questions people ask is, “Will insurance cover this?” The answer depends on the situation, but one thing is certain: insurance plays a major role in personal injury settlements. If you’re dealing with injuries and mounting bills, working with a skilled personal injury attorney in Florida can make all the difference in how your claim plays out.
How Insurance Companies Get Involved
Whether it’s a car crash, a slip and fall, or a serious motorcycle accident, insurance is usually the first place compensation comes from. In Florida, drivers are required to carry Personal Injury Protection (PIP), which covers medical expenses and lost wages up to a certain limit, regardless of who caused the crash.
But when injuries are serious—like broken bones, head trauma, or anything permanent—PIP often falls short. That’s when you turn to the at-fault party’s insurance through a liability claim. And this is where things can get tricky.
They’re Not On Your Side
Insurance adjusters may sound friendly, but their job is to protect the company, not you. They’re trained to minimize payouts. This can mean pressuring you to accept a low settlement or asking questions designed to shift the blame your way. Even a simple statement like “I’m fine” can be used to downplay your injuries.
That’s why it’s smart to let a personal injury attorney in Florida handle these conversations. An attorney can speak on your behalf, gather evidence, and negotiate a fair settlement that reflects the true cost of your injury, including long-term medical care, lost income, and pain and suffering.
What If the Other Driver Has No Insurance?
Unfortunately, not everyone follows the rules. If the at-fault party is uninsured or underinsured, your insurance policy might offer protection if you carry uninsured motorist coverage. These situations are complex, but you may still have options.
You Don’t Have to Face This Alone
Attorney Kevin Sullivan has worked with clients across Florida to deal with stubborn insurers and build strong personal injury claims. If you’re feeling overwhelmed, call (813) 598-4868 for a straightforward conversation about your case. Knowing your rights—and having someone to fight for them—can make all the difference in how your recovery plays out.
This post was written by a professional at Kevin L. Sullivan II. Attorney Kevin L. Sullivan II is your personal injury attorney Gibsonton FL, and the best personal injury attorney near you for LeavenLaw. Kevin is proud to serve Florida accident victims that have been injured in auto accidents, motorcycle accident, slip and falls or have suffered any other type of injury caused by negligence. Kevin offers a FREE no-obligation consultation to discuss your claim. There are NO upfront fees or costs and if he does not collect for you, you do not owe him anything.
