If you get into an accident in Sarasota or Manatee counties, Florida, most people assume their insurance covers injuries and property damage. However, remember that whether an accident occurs on Manatee Avenue in Bradenton or Clarke Road in Sarasota, the primary goal of insurance companies is to pay the least possible amount for all claims. It is important to keep Here are some sneaky tactics Florida insurance companies use to limit auto accident claims.
Common excuses used by insurance companies
Many insurance companies will try to find a way to convince you that the damage claim you filed is worth less than you asked for. You might be surprised to hear some of these excuses, even though you’ve added up your losses and paid for full and complete compensation.
did not see a doctor
We already know that we should seek medical attention immediately after an accident. However, not going should not be a valid reason to deny or mitigate a claim. Many people go into shock after an accident and instead of going to the hospital, they go home to see their families. Pain may not be felt until hours after the accident.
As long as you seek medical attention as soon as possible after an accident and the medical professional says your injuries were due to a crash, you should be covered for those medical expenses.Florida has a 14-day rule. Yes, you have 14 days to see a doctor if you want to make a personal injury claim.
you were partially responsible
Insurance companies may also hold you liable. However, Florida is considered a no-fault state, so it doesn’t matter if you were involved in the accident or not, it’s not a reason for the insurance company to deny or limit your claim.
you weren’t wearing your seat belt
It’s illegal for drivers in Florida not to wear seatbelts, but this is another thing that shouldn’t limit your compensation after an accident. There is no legal basis to deny or limit your claim to driving with a suspended license or being charged with a traffic violation.
the vehicle was defective
A sneaky tactic of insurance companies looking for other denial causes of car accident claims might be to claim that the car you were driving was defective. or other mechanical or electrical problems, they will use this information to reduce the amount of compensation they receive or deny the claim outright.
However, this is a valid excuse only if the defect directly caused or contributed to the car accident.
you have already made another claim
If you have previously filed other claims, the insurance company will determine that you are accident prone. They do this even if they don’t have proof that you were the cause of an accident in the past. Insurance companies can use this information to increase your car insurance rates, but it can reduce your current claims. Should not be used to deny or limit.
what can you do
So how can you stop insurance companies from using these sneaky tactics to limit auto accident claims? Talk to an experienced personal injury attorney to help resolve the issue. Please give me. They can act as an intermediary between you and your insurance company to negotiate claims and appeals.
Accidental injury claims are often limited because tactics have worked. In this kind of situation, you may not be aware of your rights. Don’t let this be the reason you find yourself in debt following a car accident. Find a lawyer who can help you fight back.
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