3 Tips for Getting Your Claim Paid
Consumers buy insurance so that they are protected in the case of an accident. Whether the reason for your claim is that someone put a dent in your car, or you were seriously injured in a motor vehicle accident, you want one thing from your policy—for the insurance company to cut a check quickly without a lot of back and forth. Insurance is a necessary part of a stable economy, but insurance consumers are usually at a disadvantage in understanding their policies and negotiating and defending their own interests. Insurance disputes arise at the very time that policyholders need coverage the most—after the loss. Even if a denial is not an insurance companies’ goal, by playing the denial game, it can achieve something almost as advantageous or lengthy by their delay in paying out on the insurance claim. The longer an insurance company can hold onto his money, the better off it is. In this blog post, we will discuss some tips on getting your insurance claim paid in a timely manner.
How to Get Compensated for Your Insurance Claim
After all things are considered, there are some simple steps that any policyholder can follow to maximize their chances of making an auto claim successfully. Here they are:
- Never except a claim settlement that you believe is too low. For example, if a repair shop says your damaged vehicle needs to be fixed at a cost of $5000, but your insurance companies adjuster offers you just $1000, it’s time to start negotiating. Ask the repair shop for line-item estimates that explain what needs to be done and why and send these to all parties involved with your claim.
- If the insurance company denies your claim or insist you take it to court, don’t be intimidated. Simply ask for the language in your policy or under Florida law that allows it to deny your claim and save all paperwork and log all phone conversations you have with insurance company representatives going forward.
- If what your insurance company says doesn’t agree with your reading of your policy, ask your state regulator for help. While state insurance commissioners usually have no legal authority to force an insurance company to pay on an individual claim, the insurance commissioner can fine an insurance company or take other punitive actions if an insurance company makes a practice of unfairly and under paying or denying claims.
Speak with a Accident Lawyer in Miami Today!
Today, it is getting more and more difficult to get paid out on an insurance claim quickly and without delay. Even when insurance companies decide to pay, they will often only pay part of the money you need to cover the full extent of your damage and injuries. If you run into problems getting your claim paid, consider hiring an attorney to help resolve your claim. Our firm represents families and individuals seeking reasonable payment for their injuries. When another person is accountable for your injuries, it is in your benefit to consult with an injury attorney. At Suarez & Montero, our group of accident lawyers have more than 19 years of experience helping injury sufferers that have sustained severe injuries in all kinds of crashes due to the negligence or carelessness of others. Our group of automobile accident attorneys have comprehensive experience representing clients in different kinds of personal injury issues, including auto crashes, vehicle crashes, motorcycle accidents, bicycle accidents, pedestrian accidents, slip and falls, trip and falls, medical negligence, and more. If you, a friend, or family member has been injured in any type of accident, do not hesitate to contact the car accident attorneys at Suarez & Montero to receive your free consultation. We serve clients throughout Florida including those in the following areas:
Miami-Dade: Aventura, Coral Gables, Doral, Fontainebleau, Hialeah, Homestead, Kendall, Miami, Miami Beach, Miami Lakes, North Miami, Tamiami, and Westchester.
Broward: Fort Lauderdale, Hallandale Beach, Hollywood, Pembroke Pines, and Weston; and Palm Beach County including Boca Raton, Lake Worth, and West Palm Beach.
