Miami Insurance Claims Lawyer | Insurance Claim Attorney FL

Perkins Law: Lawyers for Car Accident Insurance Claims in Miami

If you are injured in a car accident, the chances are that an insurance claim will follow. Especially if you are seeking any compensation for your injuries or property damage to your vehicle. Insurance claims are often complicated and can be like trying to understand a foreign language. An auto insurance claim is controlled by Florida law and the insurance policy itself, which is a contract. Most insurance policies are written in a way that can be confusing to a non-lawyer or someone not in the insurance industry. Insurance companies will always prioritize their own interests over the injured party because they are in the business of trying to hold on to the premium money they collect for profit. Policyholders usually find themselves in a position where their claims are unfairly denied or underpaid. In such circumstances, having a skilled and experienced insurance claim lawyer by your side is the only way to get the money you may be entitled to. Perkins Law Offices, aka Perkins Personal Injury Lawyers in Miami is dedicated to representing policyholders in insurance disputes, ensuring that their rights are protected and that they receive the fair compensation they deserve.

What is an Insurance Claim?

An insurance claim is just general term for when an incident or bill gets submitted to any type insurance company for payment of benefits under an applicable insurance policy. This can range from car insurance to health insurance to homeowner’s insurance. For the purposes of this article, the type of insurance claim we are focusing pertains to accidents involving personal injury claims. Personal injury insurance claims typically pertain to when an individual or entity suffers an injury that may be covered by the at fault party’s insurance policy or the injured individual’s own insurance policy. In the context of personal injury claims, insurance claims most commonly arise out of car accidents where the parties involved have some form of liability insurance that may be available to cover such a loss. Such injury insurance claims can request money for damages from the accident such as property damage, past and future medical bills, past and future lost wages and earning capacity and pain and suffering. The process of submitting an insurance claim for personal injury and 1 party property damages can be tricky and involve various steps and requirements that if done incorrectly may prevent you from being successful on your claim.

Common Insurance Claim Disputes

Insurance claim disputes run the gamut. A dispute arises when the insurance company denies payment or coverage for the claim submitted. There are several responses that can be expected to be made by the insurance company after a claim is submitted and supporting information is provided.

Denial of Claims: Insurance companies may wrongfully deny claims based on technicalities, inadequate documentation, lack of coverage for the event or person, or other reasons.
Underpayment: Policyholders may receive significantly less compensation than they are entitled to, often due to lowball offers or improper valuation of losses.
Bad Faith: Insurance companies may engage in bad faith practices, such as delaying claims, failing to investigate properly, or making misleading statements.
Policy Interpretation: Disputes can arise over the interpretation of policy terms and coverage limits.

Miami Insurance Claims Lawyer

Why Choose Perkins Law Offices aka Perkins Personal Injury Lawyers?

At Perkins Law Offices, we understand how these insurance companies operate and the tricks they use to deny or diminish insurance claims of people injured in car accidents, trip and falls, etc. The best personal injury attorneys know where the bones are buried and how to traverse the insurance company defenses to maximize payments for their injured clients. Perkins Personal Injury Lawyers provide the following:

Thorough Investigation: We conduct a meticulous investigation to gather all relevant evidence and documentation.
Aggressive Negotiation: We work tirelessly to negotiate fair settlements with insurance companies.
Litigation and Trial: If necessary, we are prepared to take your case to court to protect your rights and seek maximum compensation.
Client-Centric Approach: We prioritize your needs and ensure that you are kept informed throughout the legal process.

FAQ: Common Insurance Claim Questions

When should I hire an insurance claims lawyer?
- Consider hiring an attorney if your claim has been denied, underpaid, or if you are facing significant challenges in the claims process. You should hire a lawyer or at least consult a lawyer before submitting a claim by yourself. There are critical deadlines and rules that must be followed. Failure to comply with policy language and status can destroy the value of your insurance claim.
How much does it cost to hire an insurance claims lawyer?
- Nothing! Its costs nothing to retain our firm in a persona injury or property damage insurance claim if we accept your case. The best insurance claims attorneys work on a contingency fee basis, meaning they only get paid if they win your case. The fee is typically a percentage of the settlement or judgment.
Can I handle my insurance claim myself?
- Abraham Lincoln is credited for saying ” A man who is his own lawyer, has a fool for a client.” While it’s possible to handle your claim yourself, it’s often advisable to have legal representation to ensure that your rights are protected and that you receive the maximum compensation possible.
How long does it take to settle an insurance claim?
- The timeline for settling an insurance claim can vary depending on the facts, the complexity of the case, the issues being disputed, and the cooperation of the insurance company. Even the best personal injury lawyers in the world cannot predict how long your case may take. Without a time machine, it is hard to know but a good personal injury lawyer will keep their client updated throughout the process.
What if I don’t have insurance?
- This is a vague question. In the context of a personal injury insurance claim, the idea is to pursue the at fault party’s insurance benefits. If they do not have insurance or enough insurance you can pursue their personal money under certain circumstances (if they are wealthy and liquid). In car and boat accident insurance claims for injuries, you can also pursue your own insurance if you have coverage for uninsured or underinsured motorists or boaters. This costs more to have have on your policy and will stand in the shoes of the at fault party who may have no insurance or inadequate insurance. This is often refereed to as YOU, UM or U3 in insurance polices. In terms of health insurance, if you don’t have money to go to get treatment, that should not stop you from speaking to a personal injury lawyer. Many personal injury lawyers may be able to assist you with finding doctors that will treat your injury allowing you to pay later once you make a recovery. It’s important to consult with a a good personal injury attorney to discuss your specific situation.

Seeking Justice and Compensation

If you’re facing an insurance claim dispute in Miami, Perkins Law Offices is here to help. Our experienced attorneys will fight tirelessly to protect your rights and secure the compensation you deserve. Contact us today for a free consultation. We handle all types of injury and wrongful death cases. We make it easy for clients to hire us. It can all be done over the phone and email without even having to come to our office.