First Party Insurance Claims

First Party Insurance Claims

A first party Insurance claim is a claim that an insured files with their own automobile insurance  company. If you file an insurance claim with your own automobile insurance company, you  should be aware of some of the requirements imposed on claimants. Of course, every insurance  company and policy are distinct but there are still some common points that you are likely to  deal with when filing a first party insurance claim. Here’s a brief overview: 

Timely Notice of Claim: It is important to make note of any deadlines sent by your insurance  policy as a pertains to notification of a new insurance claim if you believe that you have missed  this deadline, you may still be able to go through with your claim as long as your insurance  company was not prejudiced or harmed by the late notice. 

Medical Authorizations: Many policies require claimants to sign a medical authorization form. A  medical authorization form allows your insurance company to obtain your medical records on  your behalf. Before signing a release, make sure you obtain your policy and make sure your policy  requires it to be signed or obtained. If you are unsure, an experienced personal injury lawyer can  help explain this in better detail.

Independent Medical Exams: If your insurance company request an independent medical  examination, try to determine why before agreeing to attend one. If you absolutely must attend  the independent medical examination, try to make sure your insurance company offers to pay  for it since they are requesting it in the first place. Also, make sure you read your insurance policy  to see if it discusses IMEs. Overall, make sure the IME will only cover the injuries you are claiming  as part of the claim and not turn into a general medical examination.  

Our Personal Injury Attorneys Can Help! 

Overall, if you decide to authorize your insured to access your medical records make sure you  fully understand the scope of the authorization. On the other hand, if your claim is at a standstill  due to a disagreement with your insurance rider over submitting to a medical exam or signing a  medical authorization, we can be of assistance to you! Having experienced car accident lawyers  fighting for you can mean the difference between winning top dollar for your claim and receiving  no compensation at all. You may be wondering how exactly is it that a personal injury attorney  can assist you with your claim. Well, a car accident lawyer can help you in many ways. The first  thing a car accident attorney can do is review your accident claim and evaluate your claim to see  if it is compensable. This is done during an initial consultation or first meeting. Having an  experienced attorney look at your case can be of tremendous value. If your case is compensable,  an attorney will either send an initial settlement demand letter or file a complaint depending on  what stage of the personal injury process your case is at. Once a case is filed, the discovery phase  of your case begins. In the discovery phase, we will obtain many pieces of evidence. For example,  we obtain witness testimony, medical records and bills, police reports, and any other information  that is necessary to get a full understanding of your case. Another aspect of the discovery process  is the possibility of initiating negotiations with the opposing side to resolve the claim. In some  cases, a mediator may be called in to try to help both sides achieve an agreeable settlement. If a  settlement cannot be obtained, the next step will be to prepare to take your case to court, where  it will usually be tried in front of a jury. Our attorneys are ready to provide proven legal  representation and stand ready to protect your rights. We are available 24/7 to give you a free,  no risk case 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.