Understanding the insurance claims process is crucial for injured Florida drivers as they seek financial compensation for their injuries. There are numerous steps in the process, and obtaining payment for your damages is not always easy. However, you may be able to receive compensation for your injuries with an attorney’s help.
Decide which insurance to file the claim against
Florida is a no-fault state. This means that you can get some compensation for your injuries, including lost wages and medical bills. However, this does not pay you for things like pain and suffering. To recover this, you would need to establish that another driver was responsible for the accident. Then, you could recover from their car insurance settlement.
Third-party insurance claims
Insurance claims filed by third parties take time. Insurance companies are notoriously difficult when it comes to paying claims. They may take their time to investigate the accident, and they could offer you an amount far lower than your claim. This is why you may want a lawyer when you file your claim. Your attorney may put pressure on the insurance company and let you know when you receive a low-ball offer.
Filing a lawsuit in court if you must
At a certain point, you may need to file a lawsuit against the other driver to recover your damages. If the insurance company will not be reasonable, that may be your best option. Still, car accident cases that go to trial are rare, and most cases settle at some point in the process before they reach the jury.
You should contact an attorney who is experienced in car insurance disputes when you have been injured. An attorney may work to protect your legal rights and fight for you to receive the best possible settlement or award for your injuries.