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Insurance Claim Dos and Don'ts

Even though laws requiring auto insurance can be strict, not every driver follows them. If you have been in a motor vehicle accident with an uninsured or underinsured motorist, you may have more options than you realize. Before you settle with any insurance company, contact our firm to learn about your legal rights and options.

Learn More About Motor Vehicle Accident Claims

The attorneys at the law firm of James & Zimmerman represent accident victims in DeLand and the surrounding parts of Florida. We have been doing this for decades. For more about how we handle these cases, please visit our motor vehicle accidents page.

Below we have provided some general information to educate you about how the law applies in these accident claims. To get answers about your specific auto accident case, contact us to arrange a free consultation with one of our experienced lawyers.

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Free consultation: You can schedule a meeting with our experienced motor vehicle accident attorneys by calling us at 888-697-2853 or by sending us an e-mail.

Decades of experience: With roots that reach back to 1967, the law firm of James & Zimmerman understands how to get results in the most complex accident cases.

Insurance Claim Dos and Don'ts

When you need to make an auto insurance claim, you should proceed with care. Your actions may have a significant influence on the amount of compensation you receive. Contact an attorney from James & Zimmerman, P.L. in DeLand, Florida, to learn more.

The Dos

DO consult an attorney for legal advice.

DO review your insurance policies to find out what is covered and what is excluded.

DO notify your insurance company right away after you are in a car accident, your car is stolen or damaged or another such covered event takes place.

DO take pictures if you can: of your vehicle, the accident site and your injuries.

DO take notes when you speak with your insurance company. Make a record of the names, job titles and phone numbers of the representatives with whom you communicate. If you can, get the names of their supervisors, too. Note what you discussed and what you or the representative promised to do.

DO tell your insurance company the truth. Not only does this save everyone a lot of time and effort, but questions of legal liability can be complex. If you fail to be forthcoming with your insurance company, this could invalidate or reduce your coverage.

DO investigate whether you have additional insurance coverage. Depending on the circumstances, supplemental coverage may come from another auto insurance policy, a homeowner’s policy or umbrella coverage.

DO keep the receipts for money you’ve spent on car rental, medical bills and purchases made in connection with the motor vehicle accident.

DO make sure you’re aware of the difference between the replacement value of your car and what you actually owe on the car. If the car is totaled, most car insurance will cover only the cash value of your car at the time of the accident. You may owe more than that, however, on the loan or the lease of the car. Gap coverage makes up for this difference. Additional coverage is usually necessary for things like a special sound system in your car.

The Don'ts

DON’T accept the insurance company’s estimate of your losses and damages until you have a chance to fully explore the matter yourself. An attorney’s help can be valuable in determining whether the insurance company’s estimate is fair.

DON’T give the insurance company a recorded or written statement until you have determined how you wish to proceed. It is important to be aware of the extent of your insurance coverage and your rights.

DON’T sign a release or waiver until you have gotten reliable legal advice. You may feel pressure to sign from your insurance company, but it is your right to explore your options. Just make sure that you take appropriate action within the time limit stated in your insurance policy.

DON’T accept a check from your insurance company — especially one that says “final payment” — unless you have obtained legal advice and carefully weighed your options.

DO Consult an Attorney

Your insurance company is legally obligated to follow through on the terms of its contract with you. You have the right to make sure that happens. Contact an attorney who will offer you support, guidance and advocacy. Speak with a lawyer from James & Zimmerman, P.L. in DeLand, Florida, to discuss your situation.

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James & Zimmerman, P.L. | Attorneys at Law
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James & Zimmerman, P.L.
431 East New York Avenue
P.O. Box 208
DeLand, Florida 32721

Phone: 386-734-1200
Toll Free: 888-697-2853
Fax: 386-734-1295

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