How to Deal with No-Fault Insurers After an Auto Accident
When you’ve been hurt in a vehicle accident, you might need some information about filing a claim and dealing with your own no-fault insurance provider. In Florida, most accidents are handled between you and your own insurance company, because Florida employs no-fault insurance law when it comes to auto wrecks.
What this means is that even if you weren’t the person who caused the accident, you must still use your own insurance coverage and personal injury protection (PIP) benefits to pay for your property damage and personal injury expenses. The exception to this law is if you’re seriously hurt in a crash, in which case, you’re allowed to sue the at-fault party.
What Are the Benefits Your Insurance Coverage Provides?
No-fault insurance coverage generally provides benefits that pay for your personal injury medical expenses, up to certain limits. The benefits also provide compensation for lost wages, should you be out of work for a time recovering from an injury. Depending on your policy, you might also have provisions for property damage, as well.
Dealing With Your No-Fault Insurance Provider
The theory behind no-fault insurance was created with good intentions: Everyone is covered in the event of an accident and less time is spent pointing fingers at one another. That’s great, but when you only have one option for recovering damages, you can also encounter some issues—mostly the insurance company taking advantage.
Insurance companies in Florida know you don’t have many options. Obviously, you need the compensation so you can move forward with your life. Insurers will use this knowledge in an attempt to minimize the payout using underhanding techniques, such as lowballing your settlement offer.
Most people will simply accept whatever settlement amount the insurer is willing to give them, and be thankful. But, you deserve more. You don’t have to accept the first offer the insurance provider makes, and you can negotiate compensation until you’re happy with the settlement amount.
Hiring a lawyer to assist you with insurance negotiations can be incredibly helpful. It will put pressure on the insurance company to give you the money you truly deserve, and not a lowball amount they hope you’ll accept because you don’t have the energy to fight them while in an injured state.
We’ll fight the insurance companies for you to see that you receive every dollar you’re owed, based on your insurance coverage.
Partner with a Lawyer Experienced With Insurance Negotiations
Even your own no-fault insurer that you’ve been paying for years isn’t truly on your side. Insurance companies will only pay out on a claim if there aren’t any other options. If the company believes there are holes in your case, or that part of your claim could be denied, that will be the first option.
Why would insurers do this? Because the priority is protecting profits, not about doing what’s right and fair when you’ve been hurt in an accident.
Make sure you have the best chance of securing the compensation you truly deserve by working with a lawyer at Lopez & Humphries, PA. Dial 863-709-8500 or send in the form below to take advantage of our free initial claim assessment offer.