Fort Lauderdale Car Insurance Lawyers

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.

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.

Answer: Often, insurance companies will assert that your medical provider supplied care that was not truly necessary for your health after an auto accident. You may also be denied if the claim was not filed before a certain date or if the insurance company suspects fraud.

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.

Answer: You can file a lawsuit against your insurance company in Florida for conduct constituting bad faith, which could include unfairly dismissing your claim without investigating, misrepresenting facts to pay you a lower settlement than what you are owed, or intentionally stalling or delaying payments.

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.

Answer: Your auto insurance company has to acknowledge your claim within 14 days of filing, and after that point, the company has 90 days to make a final judgment to approve or deny your claim. If you believe your claim is being unreasonably delayed, you should get in contact with an auto insurance lawyer who can work to ensure that your claim will be processed quickly and correctly.

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.

Answer: Bad faith insurance refers to an insurance company failing to fulfill its duties through dishonest or deceptive practices. This may include denying a claim without a valid reason, refusing to provide full coverage, or delaying a claim unreasonably. An auto insurance lawyer can prove these allegations in court by showing the insurance company’s communications or questioning the long wait times between responses if the insurance company was not in regular communication with the claimant.

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.