You’ve been involved in a car accident in the Orlando area, it was traumatic, you’re hurting and your vehicle is damaged. But you have insurance to take care of everything, after all, thats why you purchased it in the first place.
You submit a claim to your insurance company for the damages to your car and medical expenses you’ve acquired. The insurance company can handle your claim in a couple of ways. They can accept the claim and pay it, investigate the accident themselves, or deny the claim all together.
What happens if the insurance company doesn’t pay out on your claim?
When disputing any type of insurance claim, whether it is a car accident, commercial or professional liability, property damage, homeowners, medical, or health insurance claim, it is important to have an experienced insurance claim attorney on your side.
An attorney will negotiate your position when an insurance company denies coverage, offers less payout for a claim, or delays payment.
When Claims are Denied
When people pay their insurance premiums they expect their insurance company will be there when they need them. Unfortunately, this isn’t always the case. Every day legitimate insurance claims are denied. When this happens the insurance company will send a letter explaining the reasons for denial. Attorney James P. Kelley, will personally review and dissect each reason outlined in the letter.
Underpaid Claims
Other times an insurance company will underpay their claims, evaluating the damages as less than what actually occurred. Even sending you a check, hoping you will cash it, and in doing so it means you give up certain rights. Before cashing any check from the insurance company, it is vital to speak with an attorney, you may be entitled to more compensation.
Delayed Claims
If your insurance claim is delayed it can cause serious financial issues in your life. The Florida Statute Section 627.6131 says this about insurance contracts, “A claim must be paid or denied within 90 days after receipt of the claim. Failure to pay or deny a claim within 120 days after receipt of the claim creates an incontestable obligation to pay the claim.”
Attorney James P. Kelley will force your insurance company to live up to Florida Law an their obligation under your policy. If you are having an issue with your insurance company give us a call for a free, no obligation consultation.