Were you in an auto collision that was not your fault? If you were, you likely expect the other driver’s insurance to take care of you. If the other driver is uninsured, you certainly expect your own insurance to help you cover the losses you experienced in the car accident. Unfortunately, many Florida residents may find that insurance providers are only willing to pay out the bare minimum. If that happens to you, you do not have to take it.
Injuries suffered in a car accident can affect your ability to work, provide for your family and just enjoy life. The losses you experience can come at a significant financial, physical and emotional cost. Insurance providers do not really care about that, though. They tend to care more about their bottom lines and keeping shareholders happy. You do not have to fight insurance providers for fair and full compensation on your own. You can seek legal help in doing so.
How to seek coverage
After a wreck, you will need to file a claim with insurance as soon as possible. Some providers only give a 24 hour window to do this. Filing the claim is simple; you can usually do it online or over the phone. After the initial report, the insurance agency will start its investigation into the matter. To fully investigate the incident, they will need:
- Every detail, does not matter how big or small, about the collision
- Photos of the scene, if available
- Witness information
- Injury details
Some of this information you may not be able to gather on your own, especially if you’ve been transported to a medical facility for care. Law enforcement authorities should have the information you need to file your claim and answer an insurance provider’s questions.
What happens after the investigation?
Generally, one of two things will happen after an investigation has come to a close. Either you will receive a settlement check, or an explanation of claim denial will arrive in your mailbox or inbox.
If the settlement check does not cover your losses or your claim is ultimately denied, you can file an appeal. If that does not get you anywhere, you can then take legal action to seek fair and full compensation by filing a personal injury claim in Florida civil court.
