What is a Reservation of Rights Letter?

Your first experience with a reservation of rights letter will likely be when you receive a letter from the other driver’s insurance company called a reservation of rights letter. This means that the insurance company reserves its right to deny coverage, even though it is still conducting an investigation of the accident. This investigation does not mean that it has accepted coverage for the person, the corporation or the accident, but the letter is required by law to notify you that coverage may be denied at some time in the future. If you receive a reservation of rights letter, there are steps you must take immediately.

  • First, notify your own insurance company of the accident, and advise it that you have received this letter. A denial of coverage by the liability insurance company will almost certainly trigger your uninsured motorist coverage if you purchased it. However, you must notify your insurance company in a timely manner in order to obtain this coverage. The best thing to do is to notify your insurance company immediately when you get in an accident. 
  • Second, if you receive a reservation of rights from the other driver’s insurance company, immediately find out what is the problem. These letters are notoriously impossible to read, may be several pages long, and may quote pages of the policy, but not clearly spell out the problem causing the coverage issue. So, you must make sure you understand the letter and the coverage problem. Call the person who signed the letter and ask for a full explanation of the reason or reasons the letter was sent, and the status of the claim. You may find that the coverage problem has been resolved prior to your inquiry. It is important to realize that you do not have to be a mere bystander in the event that someone else’s insurance coverage is questionable. You can take action both with the insurance company and with the other party, as outlined below. 
  • Finally, you may be able to file the claim as an uninsured motorist claim and also consider holding the person at fault personally liable. 

Speak With a Miami Car Accident Attorney Today! 

Car accidents are very common in South Florida. If you or someone you love were hurt in a car accident, it is wise to contact a car accident attorney so that you can get information on how to make a claim against the at-fault party’s insurance company or file a lawsuit against said party if necessary. Our law firm is knowledgeable and experienced in all types of motor vehicle accident cases. The damages that can be recovered in a car accident claim or lawsuit are meant to take care of the many expenses you may be faced with after an accident. Car accident injuries can be severe and for many victims, medical treatment can add up to thousands of dollars. Meeting with a car accident lawyer can facilitate the claims process. At Suarez and Montero, our policy is that if you don’t recover, we won’t charge you a dime. Not to mention, we also provide free slip and fall accident consultations where we evaluate the facts of your case and provide you with an overview of potential courses of action you may take. Our lawyers can provide you with efficiency, experience, vital information, and can help obtain the compensation you need to recover from your injury. We are available 24/7 to obtain a risk-free consultation! 

We serve clients all over South Florida in Miami-Dade and Broward:

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.

Jaime Suarez

An experienced legal personal injury defense professional in Miami, who is dedicated to helping accident victims with personal injury cases involving automobile accidents, brain and spinal cord injuries, slip and fall accidents, prescription errors, wrongful death, and accidents at work.