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Category Archives: Car Accident Lawyers

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Should You Go See a Doctor Even If You Don’t Notice Any Health Issues After a Car Accident?

Even a minor car accident can be very traumatic and upsetting and it is the sort of incident that can easily leave a mental as well as a physical scar.

The mental trauma can be immediate in the aftermath of an accident but it is possible that the physical impact of the incident might not be immediate.

It could be that your car accident will result in a personal injury claim and one issue that you will need to consider if this is the case, is how you can protect your health as well as your legal rights if your accident injuries are not immediately apparent.

Here is an overview of what might be happening to your body after suffering a car accident and some suggestions on what medical action you might need to take.

Your body will react to an accident

A fundamental point about being involved in such a traumatic event as a car accident is that there is a clearly defined physical response to the event that could delay the onset of a reaction to the incident.

Your body will initiate a physiological reaction to something as frightening and challenging as being involved in a car accident and this means that your levels of adrenaline and endorphins will be much higher than normal.

What this means is that this natural chemical reaction will be trying to block the feelings of pain and giving your body the opportunity to delay its reaction to the trauma.

Inevitably, your adrenaline level will subside and this is the point where you might start to experience a level of physical pain that you were not immediately aware of shortly after the crash.

You might think you feel fine straight after the accident but it could be that your body is delaying the reaction, so it makes sense to seek medical attention if you think you don’t need it because your body is protecting you.

Soft tissue injuries take longer to impact

If you break a leg or arm in an accident you know about it immediately in terms of physical appearance, but you can suffer soft tissue damage on impact and that could take a while to come to the surface.

When you are involved in a car accident you are subjecting your body to a violent impact, even when you were not traveling at much speed, and it is this scenario that inevitably puts a great deal of stress on your joints.

It also has the potential to affect your ligaments, muscles, and tendons, all of which are classed as soft tissue.

A very typical example of this sort of reaction would be when you develop what is known as a whiplash injury.

This occurs when your head and neck are jolted suddenly and violently on impact and a whiplash injury can take days or even weeks to fully develop.

Don’t ignore any pain or discomfort you are experiencing after the accident, as there is a chance that these could be symptoms of whiplash or similar injury.

Something going on inside your head

Head injuries can be notoriously challenging to identify, especially in the immediate aftermath of a car accident.

The major issue with a concussion injury is that there could some serious problems developing within your skull and brain but it may not be obvious straight away.

Symptoms you have to look out for included a noticeable deterioration in your ability to think clearly and concentrate, and some physical reactions such as nausea, constant headaches, blurred vision, and feeling dizzy.

This is not an exhaustive list of symptoms and the main point to remember is that you should always be mindful that you may have suffered a concussion after an accident and it pays to be vigilant and act if you suffer any symptoms associated with concussion.

Get a professional opinion

Even if you think you feel fine or only experience a mild level of pain and discomfort after the accident it is still considered prudent to get your injuries and general physical condition evaluated as soon as possible.

Although you may not be thinking about any compensation claim at such an early stage after the crash it should be noted that your actions could have a big impact on the outcome of any subsequent claim you make.

It is best practice to cover all the bases by getting a doctor to evaluate your condition as it provides some reassurance that you are going to be fine and the fact that there is a documented history that you sought medical attention should help substantiate your claim at a later date.

Not going to see your doctor or visiting a hospital after the accident is not a good move on two counts.

Firstly, you could be risking a delayed physical response to your injuries going undetected and that means you may be vulnerable to a head injury, for example, that should have been treated and could develop into something more serious if left unchecked.

Secondly, you could be harming your ability to make a claim for compensation if you can’t subsequently demonstrate that you sought medical attention for your injuries, as this could be viewed that you didn’t suffer that badly, even if it turns out you did.

The overriding point to remember is that just because your body and mind are telling you that you feel perfectly fine, even if you are bit shaken by the incident, there is always the chance that you are not in as good a shape as you might think.

It is never a pleasant experience when you are involved in a car accident and it’s only natural that you might want to try and put the situation behind you as quickly as possible, but that is a feeling that you should work hard to resist.

Get your body checked over to make sure that everything is actually ok and then you can focus on getting some compensation for the accident to help you get back on track as quickly as possible.

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How to Determine Who’s at Fault in an Accident and What to Do Next

The average person will be involved in 3-4 accidents in their lifetime. If you’re a driver, chances are you’ll have to deal with the aftermath of an accident more than once.

When an auto accident does occur, it must be determined who’s at fault in order to deal with the resulting expenses. If you’ve recently been in an accident, there are a few things you should know about this process.

Read on for our guide on how to determine who’s at fault for an accident.

Negligence: Who’s At Fault Here?

Determining who’s at fault for an auto accident all comes down to negligence. Who’s negligence led to the accident? Depending on the case, there could be more than one guilty party in the equation.

Here are the main situations that could happen here:

  • Comparative negligence is used in some states. This means that each driver is assigned a percentage of guilt. If this system is used, the guilty party’s liability can be reduced based on the actions of the other driver(s).
  • Contributory negligence means one person is at fault. In these cases, one driver is responsible for all the liability and expenses incurred.

Depending on the system used, each driver is determined to be wholly or partially at fault. This becomes the foundation for the accident investigation.

Gathering Evidence

When an accident is being investigated, all evidence is taken into consideration. This includes statements made by the drivers involved, statements from witnesses, and any traffic violations that occurred.

The combined evidence will tell the story of the accident, ultimately determining who’s at fault for damages to property and personal injuries. If you’re involved in an accident, take photos and videos of your own and gather as much information as you can. It may help your case while the fault is being determined.

Observing the Aftermath

When determining who’s at fault for an accident, there are circumstances that almost always lead to an indication of guilt. For example, if it’s a rear-end collision, it’s usually the driver who does the rear-ending at fault. Left-turners are often determined to be at fault as well.

However, there are special occasions that deviate from the usual liabilities. If someone runs a red light and hits a left-turning vehicle, then that driver is at fault. A rear-ender may also have occurred if the vehicle in front stopped too quickly.

To figure out who’s at fault for an accident, the aftermath is observed as well as the events that caused it. Once all the facts are considered, the decision is made.

Avoid Admitting You’re At Fault

When you’re in an accident, it can be tempting to smooth things over by apologizing to the other driver, even if you’re not at fault. However, it’s important that you avoid apologizing or otherwise admitting guilt at any point during the investigation.

When you’re cooperating with authorities, it’s also important that you stick to objective facts and observations. Don’t admit to any negligence or oversights on your end, whether or you’re at fault or not.

Save your thoughts and concerns for your auto accident lawyer while you’re figuring out your case. Regardless of the circumstances, they’ll be able to help you achieve the best possible outcome.

Get Legal Assistance Today

If you’ve been in an accident, don’t panic. Even if you’re found to be at fault, a good lawyer can help you navigate the proceedings. By seeking good counsel, you can receive the best outcome from your case.

Check out our lawyer directory today to find lawyers in your area.

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The Steps to Take if You Are Injured by an Impaired Driver

None of us wants to find ourselves in a car accident. Whether as a driver, passenger or pedestrian, car crashes can be terrifying experiences. It is because of the potential severity of these crashes that drivers are required to be licensed and to follow certain rules of the road.

The Steps to Take if You Are Injured by an Impaired DriverOne of the most important of these rules and regulations is the requirement to not drive while drunk, intoxicated or otherwise impaired. When drivers overlook this very important rule, they are putting themselves and others in harm’s way.

If you are injured in a car accident by someone who has been drinking, there are certain steps you can take after the event to ensure that you are compensated and justice is served.

Call the Police

The first thing you need to do if you are hit by a drunk driver is to call the police. Notifying them will generate a record of the incident, which will help when you are claiming insurance or compensation. Not calling the police doesn’t just let a drink driver off the hook, it will also deprive you of vital evidence going forward.

Even if you aren’t seriously injured and are able to walk away from the incident, you should still make sure that you let the police know.

Cooperate with the Police

After you make a report to the police, they will then need to conduct an investigation. As part of this process, they will need to interview you about the accident and gather as many details as possible. Accidents are often stressful and it can be traumatic reliving them again. However, it is important that you do your best to give investigators the details they need.

Make sure that when you are giving your account to the police, you don’t embellish or exaggerate your story. Stick to the facts and let them speak for themselves. If things are as simple as the driver was drunk and you have been injured, that’s more than enough for you to report it and seek compensation. There’s no need to make things seem more dramatic than they are.

Seek Medical Treatment

Even if you feel physically fine, you should still get checked out by a doctor. In car crashes where you experience a sudden deceleration, you can give yourself internal bleeding. This can be symptomless until you eventually suffer the ill effects of blood loss.

It’s also normal for a car accident to have a negative impact on someone’s emotional health. If you feel more stressed and upset than usual following a car crash, make sure you tell your doctor.

Seek Compensation

Whenever you are injured due to someone else’s actions, there is usually a good case for compensation. You will need to speak to a personal injury lawyer, preferably one that specializes in the type of injury you have suffered. For example, if you need a Jersey City law firm, Greenberg, Walden & Grossman are the perfect choice to handle your case.

None of us wants to have to experience the trauma of a car accident. However, it is something that could happen to any one of us and so it is important that we know how to deal with it ahead of time.

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How to Choose a Car Accident Attorney

Finding yourself a victim of a car accident is a frightening time to say the least. Even when the accident isn’t extremely serious, there can still be plenty of damage that you’re left to deal with. Things such as a damaged vehicle, medical bills, and even a loss of income while you take time off work to recover can all become your reality very suddenly.

How to Choose a Car Accident AttorneyWith so much to deal with, it’s usually quite wise to hire on a car accident attorney who will fight for your rights and compensation. This will allow you to focus on other things, such as your recovery, without all the stress of dealing with the details such as insurance companies. But did you know that choosing just any old attorney isn’t exactly the best way to go about things? In fact, there are a number of key things that you should consider as you look for that ideal car accident attorney, as we will discuss.

Find One with Experience

The first tip is by far the most important – you want to find a car accident attorney with experience in the state in which the accident occurred. This means they will understand the law, the process, and what your expected outcome will likely look like. The best way to know for sure if the attorney you are considering using is experienced is to ask. Ask how many car accident cases they have taken on, as well as what their record of success has been. Think of it as a job interview and you are the employer.

You may also want to inquire into if the attorney has experience taking cases to trial. Sometimes this is necessary, so you want to know the attorney will be able to stand up for you in the court.

Discuss What Their Plan Would Be for Your Case

You can also ask the attorney what their plan would be, how they would approach your case and what your options are. You want to be sure that their plan matches up with your expectations so that you aren’t left feeling disappointed in the end. Sometimes it’s good just to hear what your legal rights are. This alone can help you to determine your course of action.

Questions are something that a good car accident attorney should welcome, according to car accident attorney Bell and Pollock who are always happy to discuss their clients’ possible courses of action. It’s a way of ensuring both client and attorney are on the same page.

Do You Feel Comfortable Talking to the Attorney?

Then there is the attorney-client relationship. This is something that is extremely important as you want to feel comfortable talking to them, have trust in them, and believe they are looking out for your best interests at all times. Obviously, this isn’t something you can determine through an email or a quick phone call, so an in-person consultation is usually best.

At the end of the day a car accident attorney can very much help you through a rough period in your life, making sure that you get all the compensation that you deserve.

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In a Car Accident? Preserve your Right to Compensation

When life throws you a major curveball, especially one that comes out of left field, it can be difficult to think on your toes quickly enough to react with grace and stay levelheaded. And one of the most sudden and, often literally, physically jolting examples is a car accident.

If you are involved in some sort of automobile wreck and the other driver is at fault, you are almost always owed some level or form of compensation. But this does not just come to you without any work. You must remain vigilant during the process, from the moment you step out of the car on the scene of the accident, in order to reap the full benefit of your legal rights.

Here are a few key considerations to follow immediately after an accident.

In a Car Accident? Preserve your Right to CompensationDocument the Scene ASAP

Thorough documentation of an accident is paramount in your efforts to get compensation after a wreck. In the heat of a stressful moment, it can be really easy to skip some of the important steps. Even though you may be feeling frazzled, try your best to remember a few key things:

  •    Contact the Police. While there are many situations wherein contacting the police may seem unnecessary, when it comes to seeking compensation for damages a police report is a huge benefit. When all goes as it should, law enforcement serves as an unbiased party that will objectively record data and gather accounts from all perspectives. Documentation of objective truth in this way will come in handy later on.
  •    Take photographs. Photo evidence is also incredibly helpful when making a case for financial compensation. Pictures of any physical damage to property or to your person are helpful, as well as pictures of the surrounding area and relevant traffic signage.
  •    Talk to witnesses if available. While there will not always be eyewitnesses when an accident occurs, if there are it makes a big difference to seek them out and ask for their testimony. Collect their contact information if they are willing to share it.
  •    Collect all contact info from involved parties. This primarily means getting the insurance information, driver’s license number, and phone number of the other person involved in the accident. Take a picture of their license plate as well.

Seek Medical Attention if Necessary

In a perfect world, seeking medical attention will be totally unnecessary. But if you were caused any sort of physical harm or believe there is any chance that you may develop injuries as a result of the accident, visit a medical professional with urgency. This way there is a specific paper trail tracing any future ailments to the accident. Being proactive medically now means it will be harder for anyone to argue that your injuries are from sources other than the accident.

Get Estimates for Property Damage

Many people involved in traffic accidents in Sarasota and cities across the country with high accident rates often overlook the critical step of seeking estimates for damage after an accident. If you wait to get estimates until you are asked by the insurance adjuster, you may miss out on some compensation. Building a strong case ahead of time for the financial damages makes a big difference when it comes down to getting the money you deserve.

Contact an Experienced Lawyer

At the end of the day, it is always advisable to seek the support and guidance of an experienced legal team. With the help of skilled experts, you can rest easy knowing that you will get the compensation you deserve.

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What Compensation Can You Expect in an Auto Accident Case?

When you are in an auto accident, the last thing you want to worry about is how you will cover your losses. Yet the compensation you receive when you are injured by someone else’s negligence is important. To protect yourself and your finances, it is a good idea to contact an attorney to represent you. First, you need to understand what compensation is available for those injured in auto accidents.

Medical Treatment

If you are injured in an auto accident that was the fault of another driver, you have a right to compensation for all of your medical treatment. This includes prescriptions, physical therapy, and any ongoing medical treatment that will be required relating to the accident. Some car insurance companies will try to only compensate you for your initial medical bills, without taking into consideration the additional costs you may be facing. This is one reason you should hire an attorney to represent you.

Loss of Wages

If your injuries from the auto accident were severe enough that you missed work, you can be compensated for loss of wages. You can only get compensation for the hours that you missed directly due to the auto accident, generally for recovery or medical treatment. If you are placed on restrictions due to your injuries that cause you to miss time at work, these wages should also be included in your total compensation.

Property Damage

Property damage is the most cut and dry of the compensation you will receive from an auto accident claim. You should be compensated for all of the necessary related repairs to your vehicle. If your vehicle cannot be reasonably repaired, you should receive compensation for the total value of the vehicle. This will allow you to purchase another vehicle as a replacement. If you had aftermarket parts that were damaged in the accident, these should also be repaired or replaced.

Pain and Suffering

You may be able to get additional compensation for pain and suffering, particularly if your injuries are going to lead to a lasting disability. If your injuries are so severe that you will require ongoing medical treatment and extended time off from work, you should be compensated for the costs and lost wages that will result. If you are unable to continue working in your current field you may be entitled to additional compensation.

If you have been injured in an auto accident, it is important that you contact an attorney as soon as possible. You will need to have someone fighting in your corner, negotiating with the car insurance companies, and protecting your rights to compensation for all of your losses. Do not hesitate in contacting an attorney, as many lawyers will give you a consultation at no charge. You can also typically get your legal fees covered in the settlement with the car insurance company or the at fault party.

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When Should You Contact an Attorney After an Auto Accident?

When you are in an auto accident, you may think you’re covered because you or the person responsible for the accident has car insurance. However, there are several situations in which the existence of a car insurance policy does not guarantee your fair and reasonable compensation. If you have been in an auto accident, you should consider contacting an attorney for a consultation, especially if any of these scenarios apply.

The Other Driver Doesn’t Have Insurance

If the other driver in an auto accident does not have car insurance, you need to contact an attorney. In order for the negligent party to be held accountable, you must have someone fighting on your side to get compensation. Typically, these situations end in a courtroom. If you don’t have a lawyer working for you, you may not get the compensation you deserve. While you can file small claims without an attorney, having an attorney is the best way to guarantee that you will receive the required compensation for your injuries.

Car Insurance Isn’t Paying

Car insurance companies are in the business of offering insurance, not paying out claims. Most of them will do everything they can to prevent paying on a claim. If your car insurance company or the company of the other driver is refusing to compensate you for your injuries and damages, you may need an attorney to negotiate with the insurance company for you.

The same is true if you do not feel that the compensation being offered by the car insurance company is fair and covers all of your costs. When you are injured in an auto accident, you have a right to compensation for your property damage, medical bills, and any ongoing treatments, as well as lost wages due to missed work from your injuries. Many car insurance companies will attempt to only pay a fraction of your total losses.

Before signing anything, you should contact an attorney for assistance. Once you sign documents accepting an insurance settlement or cash their check, you will be unable to get any further compensation for the incident. If you have any questions about whether or not the settlement you are getting from the insurance company is fair, it is best to discuss it with an attorney before signing.

Your Injuries are Disabling

If your injuries from an auto accident caused a disability that will affect the rest of your life, you need to contact an attorney to represent you. In these cases, compensation may be available for your loss of job and income, your ongoing medical treatment, and medical appliances such as canes or walkers. You may also be able to get additional compensation for pain and suffering, as well as loss of a caregiver if you are unable to care for an elderly or minor family member.

If you have been in an auto accident, the best option is to contact an attorney right away. Many of them will offer a free consultation.

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Grounds for claiming compensation for a victim of a car accident

It is not at all surprising that good and bad times keep cycling throughout our lives and you must be ready to deal with situations like getting involved in a car accident when the odds are stacked against you.  If someone else is at fault for the accident that results in injuries to you, it could be a case fit for claiming compensation for the damages with the help of Cohen Winters – Car Accident Lawyer. Although laws and rules applicable to card accident cases differ between the states, one thing is common to all – the victim must amply prove beyond reasonable doubt that the injuries and damages were due to the fault of the other party.

Establishing the liability, as the legal professionals’ term, it is critically important to build a solid case for claiming compensation for damages that include everything from the medical expenses to loss of earning and the pain and suffering undergone both physically and mentally. To establish the liability, you must prove the following:

The legal duty of drivers

When driving on the road, all drivers have a legal duty towards fellow drivers. When you are driving the car, you have a legal duty towards other drivers, pedestrians, passengers, bicyclists to drive your vehicle carefully enough to ensure that that meets the stipulated standard.

Breach of duty

The victim or plaintiff must prove that the defendant or at-fault driver failed to fulfill the duty of care that rests on drivers when driving on roads.  According to the law, the driver must behave reasonably as expected of a prudent driver, and this becomes the benchmark to determine whether there had been a breach during car accidents. By comparing the behavior of the erring driver with that of a driver with reasonable responsibilities it is possible to establish the fault lines. If in the given situation a model driver would have behaved more carefully then it becomes clear that the driver was negligent and hence at fault. Supporting it with the proof that the driver was booked for violating traffic rules will strengthen the case.

Injuries were due to a breach of duty

It is not just enough to establish that the accused driver was at fault. It is even important to determine the fact that the injuries happened only because the driver was negligent. The driver’s negligence must be the direct cause or the closest cause of the accident. It means that the accident could have been averted if the accused driver had been more careful.

The effects of shared fault

Proving that the other driver is at fault does not ensure that you will receive proper compensation because if the victim has to share some amount of the blame, it will affect the compensation that the claimant is likely to receive. If it happens that the victim is as much responsible for the accident as the other driver who was at fault, it can nullify the claim altogether.

The rules of the state decide what impact shared fault can have on the compensation amount.

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Do’s And Don’ts After An Auto Accident

An auto accident may be a traumatic experience that leaves you with injuries, emotional anguish, and financial burden. If you’ve been injured in a crash, things that you should and shouldn’t do may have a significant impact on your personal injury claim. Here’s a simple list of do’s and don’ts that you should consider after an auto accident:

Do’s

It’s important to remember that taking the right steps after an accident can make a big difference. Also, knowing what to do during this unfortunate time may increase your chances of getting compensated for your physical injuries. Below are the things you should do after a collision:

1.    Seek immediate medical help

Before doing anything else, you should get yourself examined by a medical professional. Even if you believe you don’t have injuries, seeking medical attention right after the accident can help reveal any injuries that might not be noticeable until later. Thus, make sure not to delay getting medical help. Also, don’t forget to record all medical documents that come your way because they constitute a vital insurance claim document.

2.    Call the authorities

Another essential action you should do after an auto accident is to call the police. That’s because you need to have what happened correctly documented. This is especially true if you’re planning to file a claim against the party responsible for the collision. Remember, the police report can be a vital tool in making your case stronger.

3.    Gather all relevant information

Every detail of the accident is crucial to your personal injury lawsuit claim against the other party. That said, it’s essential to collect information by speaking to the other driver. Use that opportunity to ask them about the following:

  • Insurance details
  • Other driver’s license info
  • Other driver’s physical address and contact number
  • Vehicle’s license plate
  • Model of the car that hit you
  • Data from eyewitnesses

Do’s And Don’ts After An Auto Accident4.    Take photographs

In addition to talking to the other driver, it’s also a good idea to take pictures of all vehicles involved in the accident. While these don’t necessarily have to be professional photographs, you should document everything from the damaged cars to the injuries you’ve sustained. Similar to the police report, these pictures will be useful for dealing with the insurance company.

5.    Call an attorney.

When dealing with an insurance company, you need to hire an experienced lawyer to assist you. According to McDivitt Law Firm in Colorado, insurance companies may keep on calling you to ask questions, or ask to record you when giving a statement. In some cases, their manner of questioning may imply that what had happened was your fault. To avoid these insurance companies’ dirty tactics, call an attorney right away.

Don’ts

Now that you know exactly what to do right after the accident, it’s time to familiarize yourself with the things you shouldn’t do in this kind of situation. Below are some don’ts when you meet a collision:

1.    Don’t leave the accident scene or move the vehicle to the side

When you’ve just been involved in an auto accident, you may want to move the vehicle to the side in order not to cause traffic, or leave the accident scene for good. However, moving your car to safety or leaving the scene isn’t a good idea because it may affect your injury claim later on. Like you, make sure the other driver also stays until the police and 911 arrive. This is for them to determine how the accident happened, who is responsible, and what actions should be taken later on.  

2.    Don’t delay to contact your insurance company

After calling the authorities and gathering all relevant information, don’t wait to contact your insurance company. They should be made aware of the accident so your claim may not be affected.

3.    Don’t give misleading statements

Even if you might feel tempted to apologize for the accident as it has caused a lot of inconvenience, it’s crucial not to do so if it is not your fault. Your admittance of guilt may be used against you to argue that you’re legally liable for what happened. Furthermore, do not giving statements that are misleading to avoid being prosecuted for insurance fraud. Plus, you should always know what your rights are after getting involved in an auto collision. To make sure you do not unwittingly incriminate yourself, it’s important to speak with your attorney first before making any formal statements.

4.    Don’t agree to a settlement without an attorney

The insurance company may do everything to reduce your claim such as making an offer quickly without considering your medical expenses. However, if you want to receive the right amount of compensation for your injuries, don’t ever approve a settlement without your attorney. Let your attorney negotiate with the insurer to make sure they won’t take advantage of you.

Conclusion

Since auto accidents can be complicated, it’s a good thing to consult a dedicated personal injury attorney, especially if actual physical injuries are involved. Using their skills and expertise, they can provide you with invaluable advice and help you obtain a favorable decision regarding your personal injury claim.

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What should I do if my claim is denied? – Florida edition

People are creatures of habit who are constantly in pursuit of added security. Over time, various types of insurance have proven to be a useful way of fighting our insecurities and achieving some peace of mind we all desperately need. We rely heavily on insurance companies and have faith they will protect us after a natural disaster, robbery, or a medical emergency. Little do we know that settling a claim once the opportunity presents itself is never that simple. So, what should you do, or what should I do if my claim is denied? That’s something you are bound to ask yourself sooner or later in life, especially if living in a state such as Florida, where natural disasters are a common occurrence. Should you hire an attorney to help you settle a claim? Should you fight your own battle? Is there another course of action? It’s high time you found out!

What should I do if my claim is denied? - Florida editionHave you asked yourself the famous question: ‘What should I do if my claim is denied?

Usual reasons why claims are denied

Think of it like this. If your claim is approved, the insurance company will have to cash out a significant sum of money. It is only reasonable that they would try to do everything in their power not to pay you off. However, even though your insurer will be looking at all the loopholes in order to find a reason, sometimes you will be the directly responsible person. Having that in mind, make sure to do your part of the job. Here are some of the most common reasons why an insurance claim gets denied – make sure it doesn’t happen to you.

  • You didn’t read your policy carefully. Do not try to settle a claim without reading the entire policy from top to bottom. You must know all the conditions and terms before heading to the insurance company.
  • You didn’t gather the sufficient paperwork. Unless you want to wonder what to do now that your claim is denied, here is a tip for you – work on your paperwork. You have to gather all the necessary documents that include the extent of the damage and the comparison between the previous and current condition of your items.
  • You failed to give a timely warning. There is a window of time when it is acceptable for you to notify the insurance company that the accident happened. Should you fail to give notice in due time, your claim will be denied. You can’t have a slip and fall accident and notify your health insurance provider two months after it and expect them to believe you without gathering any proof of their own, can you?

What should I do if my claim is denied? - Florida editionYou could pay a price too high for being careless.

What should I do if my claim is denied?

So, now that you know a few of the most common reasons why a claim is denied, hope remains that you won’t make such a mistake. In case you abide by the law and still have your claim denied, the procedure is as follows.

First and foremost, hire the appropriate help

When it comes to fighting any type of legal battles, you should never rely solely on your wit. There are trained professionals who can and should fight the battle for you. Your first course of action should be to hire a public adjuster, which is something you should do even before the claim gets denied or approved. Companies like A-Z Claims Adjusters that specialize in settling these types of disputes know how to bargain for the highest possible amount you are entitled to. If that doesn’t work, you should seek out the help of a lawyer.

Appeal the decision

Luckily, when not satisfied with a decision that has been made, we are always given the chance to appeal. Form a letter (preferably with some legal assistance) and list your reasons why you think you were mistreated. When you get a notice of denial, you will also receive written reasons why the insurer made such a decision. Sure, you will have to wonder what should I do if my claim is denied and when it gets denied, but you won’t have to wonder why is my claim denied.

Then, you will have a chance to list your own reasons. This time, those reasons should reflect on the notice of denial, and what is written in it. If you think your insurer was clearly wrong in any of the reasons they listed, voice your opinion. But, don’t let the stress of what has happened get to you. Even though you are stressed about your car accident, the damage of a hurricane or the sheer fact that you were robbed, don’t let your temper get to you. Instead be polite and try to sound reasonable.

The last step is to file a lawsuit

No one dreams about being dragged to court when purchasing an insurance policy. But, once the accident that should be covered happens, your claim gets denied, and all of your other efforts prove futile, there is nothing else for you to do but go the extra mile. And what is your final destination when the claim gets denied? The courtroom. Seek out the help of a personal injury lawyer in Florida, and fight for your rights.

What should I do if my claim is denied? - Florida editionAppreciate the value of a dollar and think whether hiring a lawyer is the right step.

Although, you should keep in mind that hiring a lawyer and paying for their hourly wage will be a costly endeavor. This is a moment when you will have to behave rationally. If the amount you will have to end up paying for legal help exceeds the amount you could potentially receive, there is no point in you fighting a battle that is already lost.

So, what should I do if my claim is denied? Hopefully, that is a question you now have an answer to. Finally, you have to realize that not all things are up to you. There is no point in stressing out about things that are out of your power. That only brings about more damage and unhappiness, and you’ve had enough of those.

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