Category Archives: Insurance

Coverage Issues with Insurance Companies

By | Insurance | No Comments

Coverage Issues with Insurance Companiesissues with insurance

If you buy any type of insurance coverage, you expect that the insurance company will cover your losses in case of an accident. Whether it is Homeowners Insurance, Occupational Accident Insurance, Medical Insurance or any other type of insurance, your rely on the fact that if an unforeseen event occurs, the insurance company will cover the economic losses which may have resulted from the event.

But unfortunately the process of making a claim with your own insurance company can sometimes feels like a battle, especially if the claim is for a big loss for which the insurance company is asked to pay a significant amount of money. The three most popular tricks the insurance companies like to play to avoid paying out claims are :

1. The Delay Game- The insurance company asks you to provide them with a bunch of information that does not seem relevant or related to the claim, information that may take you a while to gather and which is not readily available to you.
2. The Disappearance Act – The insurance adjuster may ignore your requests for information on the status of the claim, or completely disappear for weeks at a time, leaving you confused and unsure of whether the insurance company is planning on paying for your losses.
3. The Rejection Notice – The insurance company, after months of requesting irrelevant documentation and ignoring your requests for information on the claim, sends you a notice stating that it is denying coverage or will only pay you a small portion of what it is actually required to pay under the policy.

The whole point is to make the process so difficult that you will give up on pursuing the claim with your own insurance company. Insurance companies do not like to pay out on claims and actually have bonus structures and financial incentives for their employees who are able to “save” them money. Most of the time, if the insurance company does not seem to be cooperating, it probably means that it is hoping to get away with not paying out on the claim.

If you live in a larger city in Florida such as Miami, Tampa, Orlando, or Jacksonville you may experience greater difficulties dealing with insurance claims, since your insurance company gets a higher volume of claims from your area. Therefore, factors such as the insurance adjusters’ workload and the total amount of payouts per zip code may negatively affect your claim.

If your insurance company has wrongfully denied coverage for your loss you should speak to an attorney immediately. Many times an experience and knowledgeable lawyer can help resolve coverage issues or file a lawsuit in court to force the insurance company to pay for your losses.

Our law firm represents clients that have disputes with their own insurance companies. If you have questions regarding your claim, call us today at 1-855-GO-LEGAL.

Why Get Uninsured Motorist Coverage?

By | Auto Accidents, Insurance, Personal Injury | No Comments

I cannot stress enough the importance of adding Uninsured Motorist (UM) coverage to your auto insurance policy. Paying a little extra for your insurance premium is well worth it. A car accident can have a huge impact on a person’s life and their family’s life.

A serious auto accident can cause an injured driver to be financially ruined.

Under Florida “No Fault” law, a person who is injured in an auto accident at another driver’s fault must first exhaust his or her own Personal Injury Protection (PIP) benefits before seeking compensation from the at-fault driver. Once those benefits are fully exhausted, then the victim of the car accident can look to the at-fault driver’s Bodily Injury coverage for monetary recovery.

Whenever a client comes to our office with injuries resulting from a car accident, one of the first things we do is find out how much insurance coverage the at-fault driver has. A person that caused the accident can have no insurance, they can have some insurance (low limits) or they can have adequate insurance (high limits). Each person decides how much Bodily Injury insurance they want to pay for depending on how much of their own assets they want to protect. Uninsured Motorist coverage can protect you from situations where the at-fault driver has little or no insurance coverage.  UM also protects you if the at-fault driver simply runs away from the scene of the accident.

What most people do not realize is that they are sharing the road with careless drivers who are underinsured.   The only way to protect yourself is to add Uninsured Motorist coverage to your auto insurance policy.

If you have been involved in a car accident, you should speak to an attorney immediately. An attorney who handles auto accident cases will deal with the insurance companies while you focus on getting better.

Call The Law Office of Louiza Tarassova P.A. today to discuss your auto accident case at 1-855-55-GO-LEGAL.

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