What Can I do if the Insurance Company Denies my Car Accident Claim?
The process of handling the aftermath of a car accident can be especially frustrating. Car accidents are well known for their propensity for inflicting severe injuries and causing a number of damages that can significantly affect a person’s life. Dealing with the fallout of a car accident typically involves dealing with the insurance company in some form or another. Filing a claim with the insurance company is how many people seek compensation for the damages caused by a car accident but there are many times where the insurance company denies a claim and puts an accident victim in a difficult spot.
Florida Car Accident Injury Claims
Getting in a car accident in Florida can mean damages like staggering medical bills, lost wages during injury and recuperation, lost earning potential due to permanent injuries, as well as pain and suffering. Seeking compensation for these damages can be done through a claim filed with the insurance company. In most cases, this is done through a person’s own insurance since Florida is a no-fault state where all parties involved in a car accident go through their own insurance regardless of who was at fault. However, in cases where a car accident victim has suffered especially severe injuries that are permanent or that are too great for their own personal injury protection to cover than a car accident victim may be able to pursue compensation from whoever is liable for the accident. Unfortunately, these claims can sometimes be denied but that doesn’t mean that there is nothing you can do.
Find Out Why Your Claim was Denied
There isn’t much that you can do about a denied claim if you aren’t aware of the details of why exactly the insurance company is denying your claim. Insurance companies will use any justification to keep their money in their pocket and out of your hands. These justifications for denying a claim can vary greatly. Luckily, most insurance companies will send you a formal letter informing you of your claim’s denial and they will typically give the reason why. The denial of claims has to be done in accordance to the claim handling standards put in place by the state under Florida law so that means they have to communicate with you in regard to inquiries on your claim. Once you know why our claim was denied you can take the next step in fighting your claim’s denial.
Fighting a Denied Claim
A good lawyer can help you formulate a plan to fight your insurance claim denial. With an attorney at your side, you can negotiate a settlement with the insurance company. An insurance company’s denial of your claim may also be the result of bad faith. An insurance company can violate the regulations and expectations of fair treatment of their customers and they can have a bad-faith lawsuit filed against them as a result. Ultimately the best thing that you can do when appealing a car accident claim after it has been denied is seek the professional assistance of an experienced car accident attorney.
Contact an Experienced Florida Car Accident Attorney
The best thing you can do when you are severely injured in a car accident is to seek a lawyer experienced in car accident injury claims. You technically could pursue a claim on your own but the odds of you successfully navigating the many pitfalls of insurance tricks and the legal process is greatly diminished. Insurance companies have everything they need to successfully deny a claim; as that is their goal since profits are their main priority. Insurance companies have the experience, personnel, resources, lawyers, and money to fight a claim to any extent necessary. If it turns into a “who can withstand the storm longer” type of situation, the answer will always be the insurance company when competing against an injured victim on their own.
Accident Attorneys Can Save Your Claim
It doesn’t cost you anything to get an injury attorney to look at your case. Likewise, car accident lawyers don’t cost anything out of your pocket since they work on a contingency fee basis. This means they take a percentage of the settlement once the claim is seen through and don’t get paid at all if the injury victim doesn’t recover financial compensation. You or your loved one are likely significantly injured if you are even considering hiring a car accident attorney in the first place. So you should focus on your recovery while a professional works to maximize your settlement with the insurance companies and courts.
If you have been injured in a car accident in the Stuart, Florida or Gainesville, Florida area, contact the experienced personal injury team at The Eberst Law Firm. We are ready to handle your case. You can contact us online or call us at 772-225-4900.
Stuart, Florida Office
101 SE Martin Luther King Jr Blvd
Stuart, FL 34994
Gainesville, Florida Office
716 E. University Avenue
Gainesville, FL 32601