Auto Insurance Claim Attorneys
In today's modern times, getting into an auto accident is possible for even the safest driver. People are becoming more dependent upon technology and technology usage while driving; music is being blasted at deafening levels; and people are ultimately taking more risks on the road. Unfortunately, these experiences impact more than just the individuals responsible. Auto insurance is a vital necessity to being a licensed driver in Orlando, FL. To understand more about auto insurance claims and coverage, you should rely on an experienced Orlando insurance law firm such as 911 Biker Law and the Law Offices of Michael B. Brehne, P.A.
Orlando Attorneys for Car Insurance Disputes & Denied Claims
Here's how auto insurance claims work: licensed drivers select an auto insurance plan, pay regular installments toward the insurance plan, and file claims with the insurance company when an auto accident occurs. The claim outlines the type of accident, including any damages and injuries. Once the claim is reviewed, the insurance carrier has the ability to deny or approve the request to afford expenses for the licensed driver. Auto insurance claims can be in request of any or all of the six major types of auto coverage.
Types of Florida Auto Insurance Coverage
There are many types of coverage available in Florida for auto insurance. The most common forms include:
- Bodily Injury Liability (protects individuals who have been injured or have injured others during an auto accident)
- Medical Payments / Personal Injury Protection (affords medical expenses after auto accidents result in personal injuries)
- Property Damage Liability (protects and often compensates individuals for property damage after an auto accident)
- Collision (provides coverage to individuals who may have crashed and/or collided with another car during an auto accident)
- Comprehensive (provides full, all-inclusive coverage to individuals involved in auto accidents, especially those that are severe)
- Uninsured Motorist Coverage (assists individuals who have been involved in auto accidents with motorists who lack insurance; ensures that these individuals are still compensated and protected after an auto accident, despite a motorist’s inability to pay)
Every type of auto insurance coverage is specific and detailed, and pertains to a unique aspect. If you have been involved in an auto accident, you may qualify for more than one type of coverage to cover your expenses and injuries. To understand which coverage is included within your insurance plan, you should contact an experienced auto insurance lawyer in Orlando, FL.
What To Do If Your Claim Is Denied or Mishandled
When filing your auto insurance claim, it is best to contact an experienced insurance claim attorney in Orlando, FL. Claims can be tricky and often, licensed drivers fall into common pitfalls that prevent them from earning compensation for legitimate claims. Before filing an auto insurance claim, please be sure that you are aware of and fully understand your existing contract. Know what policy you have, when it expires, the type of coverage included and how the process works. An attorney can help you review your contract and pinpoint the important provisions.
Once you understand your contract, you should then prepare an auto insurance claim that is detailed, specific and supported with evidence (such as pictures, statements, records, etc.). An auto insurance attorney can help you gather compelling evidence to support your claim. Lastly, licensed drivers should be sure to submit their claims as soon as possible after an accident, as there are rigid deadlines that insurance companies operate under. If a claim is submitted after the designated expiration date, it will be dismissed and denied.
If you follow all of these steps and still find that your auto insurance claim is denied or mishandled, your insurance carrier may be acting in bad faith. In other words, your insurance provider may be purposefully and unfairly giving you and your claim a difficult time in efforts to prevent making payments. This is a common tactic employed by insurance carriers since the more claims that are denied, the less money insurance carriers have to release. This maximizes their profit. Fortunately, an experienced bad faith insurance lawyer can help you combat your insurance provider when they choose to mishandle or deny your claim.
If you have a legitimate claim, you have the option of appealing the decision, suing the insurance company for negligence, and/or negotiating with the insurance company to reach a sound settlement. No matter which route you believe is best for your family, an insurance defense lawyer can guide you through the process. At the Law Offices of Michael B. Brehne, P.A., our auto insurance attorneys will help you prepare and present stronger evidence to support your claim, locate experts and witnesses to speak on your behalf, negotiate complex contracts, legal jargon and high percentages on your behalf, and provide general support and guidance to ensure that your auto accident is covered.
Powerful Auto Insurance Lawyers
As a licensed driver who lawfully pays consistent installments into your insurance plan, you deserve, and are entitled to, the benefits and promises that such insurance companies make. When you experience difficulty with your auto insurance claim, rely on experienced Orlando insurance lawyers at the Law Offices of Michael B. Brehne, P.A. With numerous years of diverse experience in auto insurance claims and Orlando auto accidents, our team is powerful, dynamic and determined to protect you.
Contact us today for a free consultation for all insurance and injury cases.