It is the number one fear that stops injured people from calling a lawyer.
You pay your insurance premiums every single month on time. But the moment you actually need to use that insurance, you freeze. You are terrified that if you report the accident or make a claim for your injuries, your insurance company will “punish” you by increasing your monthly rates.
We see this happen all the time at The Law Offices of Jose M. Francisco. Good, honest people choose to suffer in pain and pay for their own doctor visits because they are trying to protect their insurance rates.
Here is the good news: If the accident wasn’t your fault, Florida law is on your side.
The Law Protects Victims, Not Just Insurance Companies
There is a specific law in Florida (Florida Statute § 626.9541) that is designed to protect you from this exact situation.
Under this law, an insurance company is generally prohibited from raising your premiums or cancelling your policy just because you made a claim, provided that you were not substantially at fault for the accident.
If you were stopped at a red light on Flagler Street and someone rear-ended you, that is not your fault. If you were driving on I-95 and someone swerved into your lane, that is not your fault.
In these situations, you have the right to use the insurance coverage you have paid for without fear of penalty.
Why You Shouldn’t Let Fear Stop You
Insurance companies love it when you are afraid to call them. If you are too scared to open a claim, they keep your premium money and never have to pay out a dime for your medical care. It is pure profit for them.
But remember why you bought insurance in the first place: to protect your health and your financial future.
If you are hurt, you need to see a doctor. You may need X-rays, therapy, or medication. If you avoid getting care because you are worried about an insurance rate increase that might not even happen, you could be risking your health and hurting your ability to get a settlement later.
We Can Deal with the Insurance Company for You
You shouldn’t have to fight your own insurance company while you are trying to heal.
At The Law Offices of Jose M. Francisco, we handle the communications with the insurance companies so you don’t have to. We ensure they treat you fairly and respect your rights under Florida law.
Don’t let fear determine your recovery. If you were hurt in a car wreck that wasn’t your fault, contact us today for a free consultation. We will answer your questions honestly and help you get the care you deserve.
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My Car is Wrecked and I’m Hurt. How Do I Get More Than Just PIP?