In a perfect world, your insurance company would pay you the compensation you deserve, no questions asked. Unfortunately, in reality, that’s simply not the case.
Insurance companies look out for their bottom line – not their policyholders’ best interests. So, they’ll often find excuses to deny claims and avoid paying compensation. Common excuses include: Continue reading “Common Excuses Insurance Companies Use to Deny or Low-Ball Claims”
After being involved in an auto accident, you’ll begin the process of recovering compensation for damages, such as medical expenses. As part of this process, your insurance company will examine the crash and evaluate evidence to determine the amount of the compensation.
During the claims process, your insurer may ask you to give a recorded statement. This statement will be considered with the rest of the evidence from the accident. But, are you required to provide this statement? Continue reading “Is It Required to Give a Recorded Statement to the Insurer?”
A denial notice from your insurance company after an auto accident is never welcome, especially as you’re trying to manage other post-crash stressors. But, rest assured: if an insurance company denies your claim, there are other steps you can take to receive compensation.
First off, it’s important to remember that insurance companies are for-profit entities. To make as much money as possible, insurers aim to deny claims whenever possible or pay less than the full claim amount. So, while some claims are denied for legitimate reasons, others are denied or minimized due to formalities, loopholes, or even mistakes in the police report. Continue reading “What to Do Next if an Insurance Company Denies Your Claim”
The time after an auto accident can be a whirlwind and a stressful one at that. But, during this crucial period, you may need to file an insurance claim to recover compensation for damages.
The claims process can be confusing, especially as you recover from an accident. So, if the insurance company asks for a recorded statement, you may wonder if you should oblige, or if doing so may hurt your claim.
In this article, we’ll discuss whether you’re required to provide a recorded statement to an insurance company after an accident. Continue reading “Am I Required to Give a Recorded Statement to an Insurance Company After A Motor Vehicle Accident?”
Everyone has the right to a safe work environment. In Florida, employees are legally protected from hostile work environments, but many don’t understand the extent of their rights under state and federal law.
In this article, we’ll go over what’s considered a hostile work environment to help Florida employees better understand their legal protections.
A work environment may be considered hostile if one or multiple employees are subject to discrimination, harassment, bullying, or offensive comments. These actions compromise the reasonable expectation of a safe, comfortable work environment. Continue reading “Understanding What’s Considered a Hostile Work Environment in Florida”
The Homeowner Claims Bill of Rights defines the rights and responsibilities of homeowners insurance policyholders in Florida. Florida’s law requires insurance companies to provide residential policyholders with this document within 14 days after the policyholder reaches out about a claim. The Bill of Rights helps protect homeowners during the insurance claims process, helping to secure their rightful compensation in the case of a claim. Continue reading “What is the Homeowner Claim Bill of Rights?”
Florida’s law requires all motorists to obtain at least $10,000 in personal injury protection insurance and $10,000 in property damage liability insurance. However, given that 20.4% of Florida motorists are uninsured, it’s clear that not all drivers abide by this law. So, if you find yourself not at fault and uninsured after a car accident, is suing for damages an option?
Let’s explore this topic and outline your options as an uninsured driver in Florida.
First off, let’s define what it means to be at fault in a car accident in Florida. It’s important to understand that Florida is a no-fault state, meaning that drivers are required to carry personal injury protection coverage, which will cover the driver’s damages regardless of who is at fault. Continue reading “Can an Uninsured Driver Sue After a Car Accident?”
Florida Governor Ron DeSantis signed House Bill 837, titled “Civil Remedies”, on March 24, 2023. This new law greatly impacts negligence cases going forward. In understanding the changes outlined in HB 837, the general public can respond more effectively when moving forward with a negligence case. Below is not an exhaustive list of changes outlined in HB 837, but does highlight several of the most notable provisions of the new law. Continue reading “What You Need To Know About Florida’s New Negligence Law”
If you recently submitted a claim to an insurance company, you’ll soon encounter a claims adjuster. The adjuster determines the settlement amount after a thorough investigation of the accident and damages.
Understanding how insurance adjusters determine settlement amounts can help you decide whether to counter, reject, or accept the offer. Here, we’ll discuss each of the factors that typically go into the decision, including the accident report, the claimant’s history, and the value of the damages.
First off, the adjuster will likely gather information about the accident, including the policyholder’s firsthand account, any existing accident or police report, information from witnesses, etc. Continue reading “Understanding How Insurance Companies Determine Settlement Amounts”
20.4% of motorists in Florida are uninsured, making it the 6th highest state for uninsured drivers. With this statistic in mind, many Floridians are at risk for steep out-of-pocket costs if they’re in an accident with an uninsured driver.
Thankfully, there is a way to protect yourself against this possibility: uninsured motorist coverage. It provides compensation for costs not covered under PIP and property damage insurance, such as accident-related medical treatment, lost income, work limitations, and “pain and suffering”.
Let’s go over how to file an uninsured motorist claim in Florida for the best possible chance of claim approval. Continue reading “How to File a Florida Uninsured Motorist Claim”