Man holding a car ready to face automobile Insurance Dispute

Automobile Insurance Disputes: What to Expect from a Case

date iconJanuary 27, 2020

insurance for car

Insurance companies are big business, which means they strive to make a profit. To increase their bottom line, they will look for any excuse to avoid paying claims. Because of the challenges insurance companies present to Palm Beach Gardens residents that file claims, it is beneficial to have Palm Beach Gardens car accident lawyers from Personal Injury of Florida in your corner. With the aggressive litigation experience and negotiation skills of an attorney, you can stand up against an insurance company that doesn’t want to pay.

Personal Injury Protection, or “No-Fault” car insurance, is required for all Florida drivers. PIP pays for injuries you sustain in an accident regardless of who was at fault in the accident.

In Florida, 80% of your medical costs will be covered by PIP. So if you have injuries that cost $10,000, PIP will only pay for $8,000 worth of that. Furthermore, if your injury is not considered an emergency or you fail to seek medical treatment within the first 14 days of your crash, you will be limited to $2,500 worth of benefits. A good health insurance policy should be able to take care of the rest of the costs, but only after PIP benefits have been first exhausted. Also, if you are injured in an accident, Florida PIP will pay for 60% of your lost wages, subject to a $10,000 limit. In the event of a death, PIP would pay for the funeral and burial expenses of the insured decedent in addition to the benefits listed above. The estate of the deceased insured is entitled to $5,000 for those associated costs. Lastly, under Florida’s PIP statute, an auto crash Plaintiff must prove that his/her injuries are permanent in order for the jury to award pain & suffering and other “non-economic” damages.

Effectively Fight the Insurance Company

When you’ve already gone through red tape, phone calls, forms, appraisals, and given the insurance company everything that they ask for, the last thing you need is for your claim to be denied or underpaid. Unfortunately, auto insurance companies frequently discourage people from obtaining Palm Beach Gardens car accident lawyers to help them with their cases. What’s ironic is that the insurers have lawyers on staff to protect their profits.

The ways in which the insurance companies protect their profits is by denying claims for the following reasons:

  • Rejecting your version of how the crash occurred and the evidence supporting your version of events.
  • Not adhering to proper claim reporting steps explained in the insurance policy.
  • If the insurance company feels that false or misleading statements have been made.
  • When where the vehicle is kept doesn’t match the location in the insurance contract.

When you believe the denial is incorrect, Personal Injury of Florida will step in and help you with the dispute. We’ll guide you every step of the way, advise you of what we are doing and why, and tell you what you should and shouldn’t do. The goal is to obtain the best possible result in the matter. This is done through good negotiation skills and the willingness to go to court if the insurance company acts unreasonably.