Frequently Asked Questions about the Insurance Company after an Accident

Can I appeal a denied insurance claim?

When you disagree with an insurance company's decision on your claim, you can try to negotiate with them. An insurance dispute attorney can help this process be much faster and more effective. There are loopholes and a lot of paperwork and jargon that insurance adjustors use. An attorney knows how to avoid this hassle and get your benefits as soon as possible.

What happens if my medical bills go over $10,000?

Florida is a no-fault state and requires insurance companies to pay the first $10,000 worth of medical bills for injured policyholders with their Personal Injury Protection benefits or PIP. However, some accidents cause injuries that this amount of money can't cover.

If your medical bills go over $10,000, another source of money must be found. Health insurance picks up some of the cost if you have a policy. If you are facing costs over $10,000 and might have to pay out of pocket, you should speak with an attorney. Coordinating benefits past the first $10,000 of PIP can be difficult to do. Our car accident injury attorneys can help you do this and recover benefits if there is resistance from insurance companies.

The other driver's insurance company offered $5,000 for my injuries. I need the money, should I take it?

An early offer to compensate you may not be enough to cover the injuries you sustained in the accident. Do not accept payment until you are ready. If you do, the at-fault driver's insurance company will not pay you any more money. An experienced attorney knows the aspects of recovery that need to be covered by a settlement. Call one of them at the Coye Law Firm today.

My insurance company is saying that they won't repay me for damages because it's excluded. What does this mean?

Most insurance companies will include "exclusions " under their policies to protect themselves from risk. Read your insurance policy carefully to see the wording of the exclusion and compare it against the situation you are facing. (If you don't have a copy, request one of your insurance agent. They should provide you with a copy of your policy.) You may be able to dispute the insurance company's decision to deny your claim. Contact an insurance attorney at the Coye Law Firm to seek assistance with this process.

The at-fault driver approached me to sign a release. What should I do?

If you have received money from your own insurance company for damages, you should consult the company before signing anything that may waive rights. Once the insurance company pays you money, they now have a claim against the other driver as well. If you sign a release, you could be responsible for paying back the money you received from the insurance company. Contact the accident lawyers of the Coye Law Firm to learn how signing a release or waiver may affect your eventual injury settlement.

What should I do if the other driver's insurance adjuster is trying to communicate with me?

The other insurance company may seek a written or recorded statement from you regarding the accident. You are not obligated to do this. It is important to know that anything you submit to them can be used in your claim, possibly to hurt your case.

Who pays my collision deductible?

If your policy includes a deductible, you pay it following the accident. When the at-fault party pays your insurance company, it can include the amount of the deductible, which your insurance company can then reimburse you. You may also choose to wait for the at-fault party to pay the deductible directly. This option takes time. You should discuss the advantages and disadvantages of each method with an experienced car accident lawyer at the Coye Law Firm before making a decision.

Can I get benefits for my pain and suffering?

Benefits not directly related to medical care are rare. Under Florida law, your injuries need to be proven as permanent through a medical report from your doctor. If your injuries fall under the definition of permanent, the Coye Law Firm's personal injury attorney team can pursue benefits for your pain and suffering. 

Call 407.648.4940 or contact Coye Law Firm today for a free consultation about your case.

The expert injury attorneys at Coye Law Firm are experienced with Florida, New York, Michigan, and District of Columbia law and are here to help the injured.

If you'd like to learn more about injury law and your rights, read my book, Sharing the Secrets, Learning the Lies: A Guide to Florida Personal Injury

Click here to receive your FREE copy now

From this book you will learn… Personal Injury Book for consumers

  1. The ONE THING you must do within 14 days of your accident (page 42)
  2. The two most important factors in determining case value (page 10)
  3. How to understand what your insurance will and will not cover (chapter 3)
  4. 6 critical steps you must take after an accident (page 65)
  5. Why you should not trust the insurance company’s repair shop (page 72)
  6. How to choose the right doctor (chapter 5)
  7. The secrets to getting a fair settlement (chapter 10)
  8. An 8-step breakdown of the normal process for lawsuits (page 109)
  9. The one 4-letter word that might cost you (chapter 12)
  10. How to start gathering the most important evidence you need (page 75)
  11. …and more!

Click here to receive your FREE copy now