If you are injured in Florida, and someone else is at fault, you are entitled to receive information from the liability insurer for the person – or company – that caused your accident. (Florida Statute 627.4137)
This law applies to all types of accidents, not just car accidents. This is great because some other states or countries do not require the liability insurer to provide you with information related to its insured’s policy.
Follow these simple steps to find out the liability insurance policy information for the person or company that caused your accident:
Step 1: If you are contacted by the liability insurance company for the at fault person or company, you may be excited that they are spending time working on your claim. Because speaking with the insurance company can hurt your case, you should not give a recorded statement to the liability insurer. If you are injured in a car accident, under no circumstances should you give a recorded statement to the bodily injury liability insurance claims adjuster (representative).
If you are injured in an accident on a company’s (store, mall, hotel or other business owner) property, the same applies. The exception to this rule is that you may be required to speak with the adjuster who is handling the Personal Injury Protection (PIP) portion of your car accident claim.
If you were in a car accident, look at the crash report. The police officer should have listed the other driver’s insurance information on the report. Keep in mind that the driver and owner of the car responsible for your injuries may be insured with different insurance companies. Even if the owner was not driving the car that was carelessly caused the crash, there are situations when the owner of the may be responsible to pay for your injuries. In Florida, you can make a claim against both the at-fault driver and the owner of the car.
The person who caused your injuries may have been working at the time of the accident and their employer may also be responsible. If the insurance company for the at fault person does not appear on the Florida traffic crash report, you should send a email, fax and letter to the company or person that the accident. The same is true if you were injured on someone’s – or a company’s – property.
Step 2: After you have the other person’s insurance company name, look it up in the Florida Office of Insurance Regulation Company Search.
Step 3: Send an email, fax and certified letter to the liability insurance company requesting their limits of liability coverage as well as any other insurance companies that may provide coverage. You should send this request even if a claims adjuster for the liability insurer contacts you. You want it in writing. If you were in a car accident, you should send the liability insurer a copy of the crash report. This will help speed up your case.
I assume that you are contacting the liability insurer because you want to get paid for your damages. You should have taken pictures after your accident. You should include these pictures with the letter to the liability insurer. They will help the liability insurer evaluate your claim and set it reserves. The sooner the insurance company can evaluate your case, the sooner you may or will get paid. You should give all your medical bills and records – related to your accident – to the liability insurance company. You may want to get get paid for missed work after an accident, and you should provide the liability insurer with proof of your lost wages.
Step 4: If you have done steps 1-3 above and there is still not enough coverage to pay for your injuries, send the at fault insurer a financial affidavit to be completed by their insured. I have found that sometimes additional insurance is discovered after their insured receives a financial affidavit requesting information as to their assets and what they were doing at the time of the accident.
Step 5: If you have uninsured/underinsured motorist insurance coverage, and you were in an accident involving a motor vehicle, you should follow step # 3 listed above. Just substitute the words “uninsured motorist” for “liability.”
Step 6: Even if you have bad luck and the person – or company – that caused your accident was uninsured you may have still be able to get some benefits. If you were in a car accident, it is important to understand how to get your medical bills paid after a car accident in Florida. You will then know that your own car insurance company is required to pay for a large amount of your medical bills.
Were you injured in an accident? If so, what are you injuries? Was it a work-related accident? What was the date of the accident and in what city and state? Where do you live? Please provide a brief description of the accident.
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