Q: Just got a letter from a car accident lawyer. What are my next steps?
I was involved in an accident where both parties were deemed at fault by the officer. We traded information through the officer, and I told the other party I would be filing with my insurance when I got home, and they would be hearing from them.
Today, I received a letter from a local law firm on behalf of the other party, demanding I provide my insurance policy information and coverage limits, as required by Florida state law. I believe it's called Policy Limits Demand, which necessitates a response within 30 days.
I thought this was weird, because they should already be in contact with my insurance, and have this information. Does this mean they may not have medical coverage at all?
At this point, should I seek the services of an attorney, or am I good with just responding with a copy of my declarations page for now? My car insurance does have coverage for my legal defense, as part of the Bodily Injury Liability section.
Simply turn the law firm's letter over to your insurance company and confirm they will respond to the law firm. If you are covered as you say, the insurance company will assign a claims adjuster to deal with the other driver's claim, and if necessary, retain an attorney to represent you at no cost to you. Bear in mind that this applies only to your DEFENSE. If you have a claim to make against the other driver for personal injury and/or property damage, you must set up a claim with their insurance. For any personal injury at all, you should promptly consult an attorney.
Regarding your question, "Does this mean they may not have medical coverage at all? - if they have insurance, they must carry PIP, which covers their medical bills up to a certain extent. Because a law firm is interested in representing that party, they will be looking for compensation (from your insurance) for pain and suffering, in addition to any medical bills that are over and above the PIP limits.
A: If you have car insurance, it should defend you against the claim being made against you. If you believe you may have a claim against the other party (say you have injuries, car damages, lost wages, etc), then, just as the other party has done, you'd hire your own attorney. Unless you plan on making a claim against the other party, it does not appear that you would need to hire your own attorney. I agree that you should provide your car insurance with the letter you received, even though it most likely was sent the same letter already. Just confirm that your insurance will be representing your interests in defending against the other party's claim.
Tim Akpinar agrees with this answer
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