[cs_dropcap column_size=”1/1″ cs_dropcap_section_title=”The truth about insurance companies” dropcap_style=”box” dropcap_size=”0″ dropcap_color=”#fff” dropcap_bg_color=”#ec2c3b”]Watching TV during the day or after a hard day’s work can be addicting. Of course if your TV is on for more than thirty minutes, you are certain to see several commercials for auto insurance. Auto insurance in Florida is BIG BUSINESS and each insurance company wants your business. Auto insurers pay millions and millions of dollars in clever advertising to get you to choose them instead of their competition. They do this by promising to save you money on the rates (premiums) over all the other companies, but what they fail to disclose is that sometimes those rates are directly related to the service you will get if you are injured in an accident. [/cs_dropcap]
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[cs_heading column_size=”1/1″ heading_title=”The truth is insurance companies are in it for profit!” heading_style=”1″ heading_align=”center” heading_divider=”on” heading_font_style=”normal”][/cs_heading]
We have heard them all: State Farm is like a good neighbor; Allstate wants you to think you are in good hands; and Nationwide wants you to believe they are on your side. State Farm in reality makes a terrible neighbor, and you are definitely not in good hands with Allstate. Let’s face it, regardless of all the persuasive advertisements out there, insurance companies are in business for one reason, and that it to make a profit! This means a company needs to take in more money in premiums than it pays out in losses. We all know they work hard to take in a lot of premiums by getting you to switch to their companies but what most consumers don’t realize until it is too late is that they work just as hard to not pay out in benefits even when they are supposed to. This is when a great car accident attorney can make all the difference.
If you are in an accident and it is your fault, your insurance company should protect you by paying the other person. You pay for property damage coverage (this pays for damage to the other person’s car or the value of the car if totaled). Your insurance has the obligation to pay for these damages in full up to the amount of limit you may have. If they fail to pay or do not pay properly, you are the one that gets sued! Not them! It is the same if you injure someone in an accident. If you are found to be at fault for the accident, (normally determined by the investigating officer on the scene) and the other party is injured, your insurance company has promised to pay them for their injuries. If they fail to do so or fail to do so properly, again, you get sued, not the insurance carrier.
[cs_quote column_size=”1/1″ cs_quote_section_title=”” quote_cite_url=”#” quote_align=”center”]”When in an accident, what insurance company and coverage you have makes all the difference”[/cs_quote]
If you are not at fault for the accident, you may have to rely on your car insurance to repair your car, or pay you for it if it is totaled. This should also include getting a rental car while your car is being assessed or repaired. This process alone can be daunting; often time neither insurance company wants to accept liability (fault) for the accident even when the evidence is clear. Insurance companies use tactics like delay and making you put out money up front to discourage you and ultimately persuade you to accept less monies than you deserve. Don’t let them get away with this! Hire a competent qualified attorney to fight on your side! At the law offices of John D. Mooney PA, we help you with every step of the process from getting a rental car, to getting you the amount you deserve for your injuries. You never ever pay money up front; in fact, you never pay money out of your pocket at all, whatsoever. We only get paid if we recover money for your injuries.