How To File an Insurance Claim

Individuals and families have insurance for many things. The costs of maintaining homes, cars, and health can be reduced through insurance coverage. The Coye Law Firm routinely handles insurance negotiations or disputes, but even if you're not in the midst of a disagreement with your insurance company, it can be helpful to review the process of filing an insurance claim. Contacting our insurance attorneys can help you speed up the process, claim more benefits, and avoid misunderstandings with your provider.

How to File an Insurance Claim

The Coye Law Firm can help you when it comes to filing any type of insurance claim, including: For property damage to your home or vehicle, the process of filing an insurance claim begins when you contact your insurance agent. After filling out a claim form, you will have to wait for an insurance adjuster to review the damage and assess the amount it will take to make repairs. They will usually send a check for that amount in the mail or to a repair shop as payment for the damage.

Filing a claim is necessary when involved in a car accident resulting in damage or injuries. If you have been in an accident with an uninsured motorist, you can claim benefits under Florida's No-Fault insurance law by contacting your own insurance company. Many car insurance companies offer uninsured motorist coverage to further protect against injuries or damage caused by irresponsible drivers. This additional coverage can be beneficial in the event of a serious accident in which damages exceed the $10,000 minimum coverage as required by Florida law.

Talking to the Insurance Company

Insurance policies can help pay for your injuries or property damage in an accident, but some companies try to avoid paying any benefits at all. If you need help communicating with the insurance carrier or an insurance adjustor, talk to a lawyer about your rights.

When to File an Insurance Claim

When purchasing insurance coverage, it is vital to review your policy, what it covers, and the process for filing a claim. Companies may process their insurance claims in different ways, so knowing the preferred method can help the overall process. File an insurance claim if your property has been damaged or stolen, or if seeking medical treatment. The Florida Department of Financial Services has an excellent online help system to address specific questions and requirements. 

Accelerating the Process

Consumers often consider the insurance claims system to be slow or unsuccessful. In order to speed up the process, do the following:
  • File your claim as soon as possible.
  • Document the people you speak to at the insurance company.
  • Get multiple estimates on repairs to avoid disputes of adequate funding.
  • Keep all police, insurance, or repair documentation related to the matter.
  • Follow recommendations set forth by the insurance company/adjuster.
  • Contact supervisors or the state insurance department if the claim is not being taken seriously.
These steps can help you avoid confusion and disputes with your insurance company, hopefully making your recovery faster.

Legal Protection

If you are having trouble recovering funds from your insurance company, contact an insurance lawyer at the Coye Law Firm. Our experienced insurance attorneys can consult you on the legal aspects of the insurance industry in Florida and what they are required to do. If you have followed your policy's guidelines and are still meeting resistance in claiming benefits, call one of our offices today .

  • 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

From this book you will learn… 

  1. The ONE THING you must do within 14 days of your accident (page 46)
  2. The two most important factors in determining case value (page 8)
  3. How to understand what your insurance will and will not cover (chapter 3)
  4. 6 critical steps you must take after an accident (chapter 7)
  5. Why you should not trust the insurance company’s repair shop (page 78)
  6. How to choose the right doctor (chapter 5)
  7. A claim you could make against your own insurance company if your car is damaged, but not totaled (page 87)
  8. The secrets to getting a fair settlement (chapter 10)
  9. An 8-step breakdown of the normal process for lawsuits (page 121)
  10. The one 4-letter word that might cost you (chapter 12)
  11. How to start gathering the most important evidence you need (page 75)
  12. …and more!

Click here to receive your FREE copy now.