Answer: If your auto insurance claim is denied, the best course of action you can take is to seek out legal counsel. A skilled auto insurance attorney with an advanced understanding of insurance laws can give you an edge in negotiation, ensuring that your rights are respected in any claim.
Fort Lauderdale Car Insurance Lawyer
Fort Lauderdale Car Insurance Attorney
Each year, Americans spend thousands on maintaining an auto insurance policy. The expectation is that if and when they have an accident, they will be covered by a policy in good faith. On paper, this works great—but the truth is, insurance carriers are often reluctant to help their clients as much as they should. If you were involved in an accident and your insurer failed to hold up their end of the bargain, call the Law Offices of John D. Ameen, P.A. for a free consultation. We can help you learn more about your rights and how to proceed with your case.
Contact Our Fort Lauderdale Personal Injury Attorneys
If you need to determine how you can obtain financial compensation for injuries caused by the negligence of others, then we encourage you to get in touch with our firm today.
Get started by calling a Fort Lauderdale auto insurance claim lawyer today. Dial 954-763-4950 or contact our firm online for a free consultation.
Insurance Laws in Florida
- All drivers in Florida must have a personal injury protection (PIP) insurance policy in the amount of at least $10,000 for themselves. This insurance is designed to cover the damages no matter which driver is at fault. Because PIP insurance can cost the carrier more, they will sometimes go to great lengths to deny your claim and insist they cannot be required to cover the damages. You should call a Fort Lauderdale auto insurance attorney if:
- Your insurer refuses to investigate your claim in a timely manner
- Your claim was denied on the basis of fraud
- You received an inadequate amount to cover your needs
The laws surrounding these insurance policies are complex. You need an attorney who has experience fighting insurance companies and can create a compelling legal strategy on your behalf. The Law Offices of John D. Ameen, P.A. has extensive experience working to help our clients demonstrate the need for their insurance carrier to do more.
Auto Insurance Claim FAQs
How Can an Auto Insurance Attorney Help With My Claim?
Answer: Insurance companies may try to “trap” you by offering a lowball settlement amount, asking for access to your medical records, or requesting your testimony. Because it is in an insurance company’s financial interests to pay out as little as possible, insurance adjusters will try to get you to harm your case for a fair settlement. An auto insurance attorney can help you avoid these pitfalls by representing you in negotiations.
How Long Do I Have to Appeal a Denied Auto Insurance Claim in Florida?
Answer: The exact amount of time to make an appeal on a denied claim will vary from carrier to carrier, but in any case, you should act quickly with the aid of a legal professional. If you wait too long, you may lose your ability to appeal the denial.
What Is PIP Insurance, and How Does it Affect My Auto Insurance Claim in Florida?
Answer: Personal Injury Protection (PIP) insurance is mandatory for all drivers, covering up to $10,000 in bodily damage for yourself, and fault has no bearing on PIP coverage. Because it only covers up to 80% of your medical costs, you will have to work with the insurance company providing coverage for the driver who was at fault to cover the rest of your damages.
What Damages Can I Recover in an Auto Insurance Claim Dispute?
Answer: In Florida, the compensation you can receive through an auto insurance claim can include medical bills, lost wages, and in more serious cases, non-economic damages like your pain and suffering.
How Do Florida Laws Protect Me in Auto Insurance Disputes?
Answer: Florida laws prohibit auto insurance companies from stalling when a claim. They have 14 days to acknowledge a claim and 90 days to make a final judgment, as outlined in Florida Statute 627.70131.
What to Do When a Claim Is Denied
Along with taking a long time to respond to your claim—sometimes, they won’t respond until well after you have received treatment for your injuries—insurance carriers can argue that your healthcare provider acted unlawfully. Medical costs are expensive, but some insurance carriers will fight your coverage claims by insisting you received unnecessary medical treatment. Having a Fort Lauderdale auto insurance lawyer on your side can help you prepare for these objections before they arise, ensuring you will be prepared and can face the dispute with confidence. In any case, if your auto insurance claim is denied, it is extremely important that you reach out to an attorney who can help you navigate the process of appealing this decision. There are many complex steps involved in filing an appeal, but an attorney can help you ensure that you do not make any mistakes that could ultimately end up costing you.
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