Miami car accident attorney David H. Charlip ( releases a new article explaining what happens when a car accident claim exceeds insurance limits in Florida. The lawyer mentions that Florida law requires that all vehicle owners have auto insurance. However, these policy limits may not be sufficient to cover a driver’s losses in the event that they are injured in an accident involving another driver.

“In Florida car accidents, the at-fault party may be liable for the rest of the compensation or the victim’s damages if the cost is higher than the insurance limit. Having a skilled Miami car accident attorney by your side can help you determine who is at fault for the accident, and hold them liable for their negligence,” the Miami car accident attorney says. 

The lawyer explains that each insurance policy in Florida contains “policy limits”, which are the amount that the carrier is willing to pay for a specific event. Florida law mandates that auto insurance policies must cover $10,000 to protect against personal injury and property damage. Florida does not require bodily injury liability insurance. It is important for the injured party to be able to determine the amount of insurance that was purchased by the other driver to negotiate a fair settlement.

Insurance companies often do not disclose to policyholders the amount of coverage they offer. There are many ways an injured party can find out the coverage limit for the at-fault driver if their car is involved in an accident. One way to do this is to ask for the name and insurance number of the at-fault driver. If the proof-of-insurance card is available, then it will be likely that the policy limit will also be included in the card.

In the article, the lawyer adds, “Another way to determine the other driver’s policy limit is to ask your carrier if you have an open claim. Your case manager may be able to help you find out the other driver’s policy limit in this manner. In some cases, the case manager requests this information ahead of time from the other driver’s insurance company, especially if their client has filed an uninsured motorist claim.” 

Furthermore, attorney Charlip says that car accidents often cause a wide variety of damages. These damages include personal injury, property damage, and lost wages. If a person is not familiar with these kinds of incidents, it can be hard to determine the appropriate cost for their injury. An experienced lawyer will be able to provide legal advice and assist with dealing with insurance companies. 

Lastly, the personal injury attorney emphasizes the importance of having a skilled lawyer when it comes to matters such as filing an injury claim after a car accident. An experienced personal injury lawyer may be able to help the victim receive the compensation they deserve. 

About Charlip Law Group

Attorney David H. Charlip has been helping clients in Miami and all across the country for over 30 years. His team of legal professionals at Charlip Law Group carries on years of tradition of meeting the legal needs of businesses and individuals in Miami, throughout Florida, and across the nation. An experienced litigator, David Charlip has a record of winning cases with a high success rate in foreclosure defense and commercial litigation. Charlip Law Group, LC maintains a strong federal practice and handles cases nationwide. Contact them today to schedule a consultation.


About Charlip Law Group L.C.

The most serious injuries are of course the most costly to the injury victim or family members, and they are also often the most complicated of personal injury matters. Charlip Law Group, LC, is a Miami personal injury attorney we…

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