What to Do Next if an Insurance Company Denies Your Claim

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. 

What Causes Insurance Claim Denials in Florida?

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”

Am I Required to Give a Recorded Statement to an Insurance Company After A Motor Vehicle Accident?

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?”

Understanding What’s Considered a Hostile Work Environment in Florida

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. 

What Defines a Hostile Work Environment in Florida?

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”

What is the Homeowner Claim Bill of Rights?

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?”

Can an Uninsured Driver Sue After a Car Accident?

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. 

Defining Fault for Florida Motorists

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?”

What You Need To Know About Florida’s New Negligence Law

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”

Understanding How Insurance Companies Determine Settlement Amounts

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.

The Accident Report

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”

How to File a Florida Uninsured Motorist Claim

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”

When to Hire an Attorney to Help With Your Hurricane Ian Claim

Hurricane Ian struck Southwest Florida on September 28, eventually becoming the third most expensive weather disaster ever recorded. The flood and wind losses for this disaster have been estimated at between $41 billion and $70 billion. What’s more, Ian damaged an estimated 30,000 homes and destroyed around 5,000 homes in Florida, leaving thousands of Floridians in need of insurance compensation to repair the damage. 

If you filed an insurance claim for damage sustained during Hurricane Ian, we hope that the process went smoothly. But, if you’re dealing with claim denials, lowballs, or delays, it’s time to contact an attorney. An experienced hurricane claim attorney can deal with the insurance company on your behalf and fight for your rightful compensation. Continue reading “When to Hire an Attorney to Help With Your Hurricane Ian Claim”

What to Consider When You’re Hiring a Lawyer for Insurance Claims

The insurance claim process can be complicated, to say the least. Insurance claims are frequently denied, making it difficult to receive the compensation that you deserve after an accident. 

In many cases, people need legal representation to get their insurance claims approved on time and in full. Read on to learn about the factors to consider when hiring an insurance claim lawyer. 

When To Hire a Lawyer For an Insurance Claim

First off, let’s cover the types of insurance claims that you’ll likely need an attorney’s help to settle successfully: Continue reading “What to Consider When You’re Hiring a Lawyer for Insurance Claims”