After being in an accident, you will have bills to pay. This makes it necessary to work with the insurance company, but how do you know if you are getting a fair deal? Here are the answers to a few frequently asked questions so you will have a better idea of what to do:
Will I get an offer from my insurance company or from the other driver’s?
Since drivers in Florida are required to carry personal injury protection (PIP) insurance, your own policy is supposed to pay for your medical bills, regardless of whether you caused the accident or not. Your insurance should pay, but your policy will have limits based on your monthly premium. This means that you may or may not have enough coverage for your situation.
With that in mind, your limits may be reached simply by paying for your recent medical bills, never mid future expenses or lost wages. If that happens, you may have the option to seek compensation by suing the person who hit you. In order to do so, your case must meet certain qualifying factors that I can review with you during a consultation.
How can I tell if I am being treated fairly by the insurance company?
There are certain things to consider, such as whether they are giving you money for your lost wages or whether they are calculating your future expenses when coming up with a settlement offer. Typically, it is easy to get the insurance company to pay for your current medical bills.
Where it gets complicated is in how they view your recovery and any expenses going forward. If they are trying to rush you to settle and conclude the matter, they are the only one that will benefit. You are better served by being certain your expenses will be paid for both today and in the future.
What are my options if the insurance company won’t pay for a surgery that my doctor recommends?
This is actually one of the most important reasons why you should seriously consider filing a lawsuit. Insurance companies try keep their profits up by paying as little as possible for your and other’s accident claims. One of the ways they do so is by denying requests for more expensive procedures or surgeries.
However, as an attorney, my objective is to ensure that you receive the medical care you need to recover. No one knows what you need better than your doctor, including the insurance company. If your doctor is recommending something, I can work to negotiate with the insurance company to obtain their approval for the procedure or treatment, and if they do not come around, filing a lawsuit will then be a real option.
How long do I have to decide whether to file a lawsuit?
Since there is a statute of limitations in Florida, you should call and schedule a consultation as soon as you have an accident. While you do not have to file a lawsuit immediately, it is wise to start the process ahead of time just in case negotiations do not go well. As your attorney, I can make sure your case is filed before the statute of limitations has been reached.
Is it better to settle with the insurance company?
Only if they are giving you a fair offer. If not, you should move forward with a lawsuit. Call Lavent Law today for more assistance.