Under Florida law, you are required to have at the very least minimum auto insurance coverage, which is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL). Florida's insurance laws require you to carry PIP/PDL continuously throughout your registration period.
What happens if one day you are in a car accident that was not your fault, and you did everything you were supposed to do?
You carried auto insurance, you took pictures of the accident scene, you obtained the witnesses contact information, you reported the accident, you sought medical treatment, and you filed a claim against the other driver's insurance company, but the insurance company denied your claim. What do you do?
When the Insurance Company Denied Your Claim
If you filed the claim yourself and it was denied, the first thing you need to do is retain a lawyer. You won't get any further with the adjuster. The insurer most likely denied your claim for one of two reasons: 1) they think that you don't have a valid claim, or 2) the insurer is hoping that by denying your claim, you'll give up and walk away.
Even if the adjuster denied your claim, it doesn't mean that it doesn't have merit. Sometimes, adjusters will deny a valid claim simply to save the company money. The insurance industry is BIG business, and insurance companies are focused on boosting profits; they are not concerned about doing what's best for the people who file claims against them.
If you filed a claim on your own, it's important to know that insurance carriers take claims filed by lawyers far more seriously than those filed by unrepresented individuals. When a qualified lawyer is brought in from the onset, they rarely flat out deny claims, however, they will usually make a low-ball settlement offer.
Contact Mena Law Firm today!
If your claim was denied, you have certainly been through enough. There is no reason why you should continue to shoulder the burden of medical bills, property damage, and lost income – all because of a negligent driver.
Contact Mena Law Firm to work with an experienced Miami insurance lawyer who is AV® Rated by Martindale-Hubbell®, and who has over 15 years of experience!