Most Fort Lauderdale car crash lawyers handle cases where the other driver was at fault. But that isn’t always the case. If you caused the accident, you’ll have to file a claim against your own insurance policy. The same is true if the other driver took off after the crash. If your claim is denied, you need help.
Your First Party Insurance Claim May Be Denied
Even though you’ve paid premiums on your insurance policy for years, that doesn’t mean your insurance company is going to want to pay your claim. They’re not in the business of paying every claim that comes across their desk. If they did this, they’d go out of business in no time at all. There are a variety of reasons why your insurance company may deny your first-party claim. Some of these include:
- They do not believe your injuries are legitimate
- You have a history of filing car accident claims
- They believe your injuries were caused by something other than the accident
- You let your policy lapse for non-payment
- You did not fill out the proper forms in a timely fashion
For some of these reasons, your Fort Lauderdale car crash lawyer can file an appeal. However, there are times when this won’t work. If your policy wasn’t valid, the insurance company isn’t going to pay it. There’s nothing your lawyer can do to change that. For all of the other reasons, however, they may be able to negotiate payment.
Fort Lauderdale Car Crash Lawyers Know How to Negotiate With the Insurance Adjustors
Fort Lauderdale car accident lawyers spend years dealing with insurance companies. They know which ones are likely to settle. They also know which ones will call your bluff and go to trial. Even if they have only been practicing for a few years, you can trust that they know how to negotiate a settlement of your claim. This is because almost all personal injury cases involve an insurance company at some point. Your attorney will work hard to get your claim paid. Even if they have to file a lawsuit on your behalf, they’ll continue to try to settle your case. Most cases settle long before trial. Others settle a day or two before trial. That’s because nobody wants to go to trial. They’re time-consuming and expensive. There’s also the chance that you could lose. Neither side wants to face this possibility.
The Insurance Company Will Take Your Lawyer More Seriously
It may not seem fair, but insurance companies take attorneys a lot more seriously than they do claimants. When they know you aren’t represented by a Fort Lauderdale car crash lawyer, they’ll try to take advantage of you. This will start with them ignoring your phone calls and emails. At some point, they’ll probably offer you a very low settlement. When they do this, it’s because they’re hoping for one of two things. First, they’re hoping that you don’t realize your claim is worth more money. Second, they assume that you’re so desperate for money that you’ll accept the first offer they make.
When they make this offer, they’ll try to get you to sign a settlement release. Once you do this, you won’t be able to go back to them for more money. That’s why you should never sign this sort of agreement without first talking to an experienced Fort Lauderdale car accident lawyer.
Call and Talk to a Fort Lauderdale Car Crash Lawyer Right Away
If you’re hurt in a motor vehicle accident, you’re probably going to suffer a few injuries. Hopefully, they won’t be serious. Unfortunately, some people aren’t so lucky. If you were at fault for the crash, you’ll have no choice but to file a first-party insurance claim. In an ideal world, your claim would be approved and paid within a week or two. Sadly, we don’t live in an ideal world. If your claim is denied, you’re going to want to call a Fort Lauderdale car accident lawyer.
Lawyers have spent their careers dealing with insurance companies. They don’t back down, and they aren’t intimidated by the large insurance carriers. They’ll go to bat for you and try to get your claim paid. If this doesn’t work, you may have to consider filing suit. Your Fort Lauderdale car crash lawyer will stand by you every step of the way. All you have to do is call and schedule your free, initial consultation. It doesn’t cost a dime, and you don’t pay anything until your case is resolved.