Frequently Asked Questions


I was just in a car accident, I don't feel hurt should I still contact a lawyer?
Yes, even if you don't initially feel pain, it is always best to contact a lawyer. Here at Coleman Law Group, we can set you up with a FREE consultation so you can have all your questions answered. You have not financial obligation at this time because we only get paid if your case receives a settlement.

How does the insurances claims process work?
Even the safest drivers can have accidents. At the scene of an accident, you'll likely take a few key steps, calling the police and exchanging information with any other drivers involved, etc. When it's time to file a car insurance claim, it's helpful to know what information you need to provide and to understand how your insurance coverage works. Do NOT file your insurance claim until AFTER you have spoken to a lawyer. Every insurance company handles its claims a bit differently, but many of the steps are similar, expect the insurance company to ask coverage specific questions, and determine the loss of value on the car. If you have been hurt you will need to schedule a visit to a Doctor or Chiropractor.

What happens if the person who hit me doesn't have insurance?
Uninsured motorist (UM) accidents happen a lot and can ruin a PIP (personal injury protection) case if you don't have the right insurance. Without Uninsured motorist coverage on your insurance policy, there may be no insurance company to cover the damage, and any vehicle damage could end up as an out of pocket expense for the victim. Always good to check to see if you have the coverage before anything happens.

Is a police report really necessary?
YES. A police report is very necessary as it is reported evidence that an incident happened. Many insurance companies require a police report to even start a claim.

What does 10/20/10 mean on my insurance policy? Is that the best coverage?
The numbers 10/20/10 on your auto insurance policy represents the monetary limits on your liability coverage. The first number, 10, stands for $10,000. This is your maximum coverage for bodily injury liability for one person injured in one accident or incident. The second number, 20, stands for $20,000. This is your maximum coverage for bodily injury liability for all persons injured in one accident. The third number, 10, stands for $10,000. This is your maximum coverage for property damage liability in an accident that you caused. This is a very basic, affordable coverage. Making it very common, it is however not the best available insurance.

My slip and fall accident happened at a family member's house. Am I going to have to sue them to take care of my medical bills?
This will depend on the Home Owner's insurance for the home in which the injury took place. Since most homes have Home Owners Insurance more likely than not you will be able to go through the insurance company. More info HERE.

What needs to be proved to win a slip and fall case?
In a slip and fall case, the victim must prove that the property owner was either negligent in allowing dangerous conditions or themselves caused dangerous conditions that resulted in your injury.

Should I fill out my insurance claim before, or after speaking to a lawyer?
Always speak to your representation before proceeding with any insurance claims. If you need a free consultation, don’t hesitate to ask. Click HERE to set an appointment online.

How should I act in the immediate aftermath of an accident?
In the immediate aftermath of a car accident the most important thing is to make sure you are safe! Once you have secured safety, it is crucial you call the police, take pictures of the vehicle damage, and exchange information with the other driver(s). Some other mistakes to aviod during and after a car crash are available HERE.

I’ve heard Florida is a “no-fault” state. What does that mean?
Simply put a no-fault state means that drivers are responsible for the damage to their vehicles and their own medical bills. This does not mean an injured driver can’t sue the at-fault party. Contact us if you have question on a personal situation.

Will a consult cost ME anything upfront?
Coleman Law Group offers free consults for ANY Personal Injury Claim. If we take on your case we only get paid if you do. So, NO, a Personal Injury Consult cost nothing up front, and you will only be charged if your case is involved in a monetary settlement. It cost $0 to make sure you are OK after an auto accident.

How it is determined my injury is worth a settlement?
You should have been consulting with a physician after your accident. Once the physician determines the permanency of your injuries, they will provide us with a final report. We then review and analyze the physicians findings; we will look at the totalities of your injuries and the policy limits to assist us in determining the settlement amount to request from the insurance company. Settlements are generally higher for more severe or permanent injuries.

What happens if the Insurance agency doesn’t want to settle?
This is a regular occurrence. This is simple, we file a lawsuit.

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