Frequently Asked Legal Questions

Q: My insurance company told me that I didn't need to contact an attorney after my car accident, is that true?

A: Failing to take advantage of our free consultation following your accident could seriously hurt your chances of making a financial recovery. From the moment they get word of an accident with possible injuries, insurance companies are working hard to minimize their financial exposure and to reduce the value of your claim. This includes your own insurance carrier (Remember that insurance carriers frequently share claims information with each other in a coordinated effort to reduce claims exposure and to pay accident victims as little as possible) While your own carrier may be "on your side" as far as payment of No-Fault/PIP benefits, that same carrier will be on the other side of the table in the event you later make a claim for uninsured/underinsured motorist benefits or may share the information you provide with the other driver's insurance carrier. REMEMBER: Anything you say after an accident, even to the "nice" lady or gentlemen from your own insurance company, may come back to haunt you later. Contact Kimsey & DeBari P.A. before you speak to anyone about your accident!

Q: My auto insurance agent told me not to worry because I have "full coverage", does that mean I'm covered even if the driver who causes the accident does not have insurance?

A: Not necessarily. Insurance agents in the State Of Florida are allowed to tell their clients that they have purchased "full coverage", even if they purchase the type of coverage that protects them from bad drivers who don't have insurance. The type of coverage we're talking about is frequently referred to as "UM" or "Uninsured/Underinsured Motorist Coverage". Since a large number of Florida motorists do not carry any or a sufficient amount of liability coverage, its extremely important that you purchase UM for you and for your family members. UM coverage is relatively inexpensive but agents frequently don't offer it in an effort to provide you with the lowest possible quote on coverage so you will not buy from a different agent. Even if you haven't yet been involved in an accident, contact us for a free insurance policy review to determine whether you have all of the necessary coverage in place to protect you and your loved ones in the event of an accident.

Q: The insurance carrier for the driver who hit my car offered me a check to settle my case and it seems like its enough money, should I just accept it and sign the release paperwork?

A: No, absolutely not. Never accept any insurance company money and never sign any paperwork from an insurance company after an accident until you speak with us first. The insurance company does not represent you but has an army host of lawyers advising and representing it every step of the way. Once you accept a check and sign release paperwork it will probably be too late for your lawyer to undo the damage that may have been done.

It costs you nothing to consult with us, but your bad decision to accept what the insurance company offered may cost you everything.

CONTACT KIMSEY & DEBARI, P.A. TODAY!

Q: My car was hit by a careless driver while I was running an errand for my employer. My boss said that since some other driver hit me I don't have a workers compensation claim, is that true?

A: False. Even if the car accident was caused by a driver who does not work for your company, you may still have a workers compensation claim in addition to any claim you might have against the careless driver. All that is required in the State Of Florida for an injured worker to make a workers compensation claim is that the accident happen either on-the-job or while the worker is performing some activity which benefits his employer. In the event of any on-the-job accident, even if it involves a car accident, call us today for a free consultation.