The law requires that the person or company responsible for causing the accident pays for your injuries and repairs to any property damage. In Florida, injured persons in auto accidents may be able to have a portion of their medical bills and lost wages paid with their own insurance coverage referred to as personal injury protection, commonly referred to as PIP. The unpaid balances as well as pain and suffering are the responsability of the at-fault parties and their insurance companies. Many victims of accidents try to handle their own personal injury cases, hoping that the insurance companies involved will settle promptly and fairly. Unfortunately, not all insurance companies respond in that manner, and this is one of the reasons you need an experienced personal injury lawyer on your side. Sometimes, the insurance companies only pay attention to their obligations to their stockholders and policyholders, not to people injured in an accident. Insurance companies have enormous advantages: vast wealth, armies of sharp, experienced adjusters and attorneys, and dozens of arguments for reducing or denying your claim. They know that if they can delay resolving your claim long enough or create enough roadblocks, you may not pursue the recovery of all that you are entitled to. At the Law Offices of Howard B. Herskowitz, our obligation is to you and we will help protect your rights. There is no fee if there is no recovery.  Evenings and weekend consultations are available, as are at-home and hospital visits.The law requires that the person or company responsible for causing an auto accident to pay for your injuries and repairs to your property damage. In Florida, injured persons in auto accidents are entitled able to have a portion of their medical bills and lost wages paid with their own insurance coverage, referred to as personal injury protection, commonly known as PIP. Many victims of accidents try to handle their own personal injury cases, hoping that the at-fault insurance companies involved will settle promptly and fairly for any balances due and owing, as well as pain and suffering. Unfortunately, not all insurance companies respond in that manner, because under Florida law, at-fault drivers are not required to purchase bodily injury liability coverage for your unpaid bills, lost income in addition to pain and suffering.  The sad truth is that your own insurance carrier may have failed to provide you with uninsured motorist coverage, (otherwise known as UM), arguably the most valuable coverage for car accident victims, which will cover you for the missing liability that the at-fault driver should have had. I advise all clients and all other citizens to demand from their auto agents as soon as possible to obtain as much UM as you can afford. Don’t be swayed if your insurance agent tries to talk you out of obtaining this valuable coverage, or tries to lower the amount of this coverage you seek. You must realize that your insurance agents are usually instructed by their superiors NOT to sell you this coverage, because if a claim is made for UM, the recovery comes out of their own coffers. Sometimes the insurance companies only pay attention to their obligations to their stockholders and officers, not to people injured in an accident. Insurance companies have enormous advantages: vast wealth, armies of sharp, experienced adjusters and attorneys, and dozens of arguments for reducing or denying your claim. They know that if they can delay resolving your claim long enough or create enough roadblocks, you may lose your focus and settle for a fraction of the sum you are entitled to. That is one of the many reasons you need an experienced personal injury lawyer on your side.