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What Insurance Coverage Sources May Apply to a Personal Injury Case?

August 20, 2021 | Category: Personal Injury | Share

When people are injured in accidents because of the negligence of another, they are entitled to seek compensation. Florida law permits up to four years from the date of an injury to file a negligence claim. However, there are exceptions. Injured accident victims should consult with Spivey Law Firm, Personal Injury Attorneys, P.A. to discuss their rights to compensation. Based on the case, accident victims may be entitled to recover past and future medical expenses, property damages, past and future pain and suffering, and other economic losses, such as past and future lost wages and certain other unique or statutory damages where applicable.

What Insurance Coverage May Apply to a Personal Injury CaseThere are several potential sources of insurance that provide coverage in accident cases, including bodily injury liability coverage, uninsured/underinsured motorist coverage, umbrella/excess coverage, personal injury protection coverage (PIP), medical payments coverage, and other sources.

Florida insurance companies that sell automobile insurance are required to offer uninsured and underinsured coverage to their customers. When a negligent driver causes an accident and does not have insurance, or has insufficient insurance, accident victims may be entitled to compensation under their automobile insurance policy or that of a family member. This protection also applies to accidents caused by hit-and-run drivers.

Sometimes, Florida insurance companies act in “bad faith” by not settling a claim when they could have and should have done so had they acted fairly and honestly toward their insured. Additional damages that exceed insurance policy limits can be obtained if an insurance company acts in "bad faith."

“Personal Injury accident cases are complicated, and Florida accident victims should not try to handle their cases with insurance companies. We at Spivey Law Firm, Personal Injury Attorneys, P.A. represent people involved in numerous types of personal injury and wrongful death accidents throughout Florida. All of our clients have unique personal injury cases. Our firm provides personal contact and communication along with aggressive representation. There are no costs or attorney fees until we receive a monetary recovery for our clients, and we are available 24/7,” said Fort Myers Accident Lawyer Randall Spivey.



Fort Myers Accident Lawyer Randall L. Spivey is a Board Certified Trial Attorney – the highest recognition for competence bestowed by the Florida Bar and a distinction earned by just one percent (1%) of Florida attorneys. He has handled over 2,000 personal injury and wrongful death cases throughout Florida. For a free and confidential consultation to discuss your legal rights, contact Spivey Law Firm, Personal Injury Attorneys, P.A. in Lee County at 239.337.7483 or toll-free at 1.888.477.4839, or by email to  Visit for more information.  You can contact Spivey Law Firm, Personal Injury Attorneys, P.A. in Charlotte County at 941.764.7748 and in Collier County at 239.793.7748.





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