Automobile insurance policies issued In Florida provide several different types of coverage. No-fault (also known as Personal Injury Protection, or “PIP”) coverage and property damage liability coverage are required to keep your car properly registered. No-fault coverage, as the name implies, pays 80% of medical expenses and 60% of lost income suffered as a result of an accident, regardless of who is at fault in causing the accident. The maximum amount payable under No-fault coverage is $10,000. Property damage liability pays for the damage caused by a negligent driver to the other vehicle. The dollar amount of this coverage varies from policy to policy.
Other optional coverages are available for an additional premium. Many policies have bodily injury liability coverage, which protects an insured if they are at fault in causing an accident and someone else makes an injury claim against them. Comprehensive and collision coverages are other optional coverages, which pay for the total loss or damage to the insured’s vehicle – because of theft or accident – regardless of fault.
Many disputes can arise between an insured and an insurer when a claim is made. For example, insurers will often deny claims for payment of medical expenses under a policy’s No-fault coverage on the grounds that the insured’s medical care is not necessary or related to the accident. Insurers will often argue that there was a misrepresentation on the application for insurance, relieving it of the obligation to cover a claim. Issues can also arise over whether a policy was properly cancelled or whether the insurer can lawfully raise the premium on the policy due to the insured having been involved in an accident (the answer is generally “no” with certain exceptions. See Florida Statues 62.9541 (1) (o)3 and 626.9702).
If an insurer denies coverage to an insured, or fails to honor a claim in full, Florida law allows the insured to recover attorney’s fees if a lawsuit is successfully brought against the insurer. Thus, even if the amount in dispute is rather modest, a lawyer who is successful in helping an insured can recover their fee from the insurer for the time spent assisting the insured.
Insurance disputes, like insurance policies, can be complicated and difficult for most people to understand. An experienced insurance lawyer can help you determine whether you have a valid claim. Please feel free to call me to discuss your case. The initial consultation is free, and you will speak directly with me, Eric Luckman, about your claim and your rights.
Types of Insurance Disputes
When your insurance company denies your claim, it can be scary to try and stand up to them Eric H. Luckman, P.A. is ready to help you. We stand up to your insurance company so you don’t have to. We help give you the best chance possible to recover compensation from your insurance company under the terms of your insurance policy.
Insurance disputes can arise from nearly endless types of claims. These can be:
- Auto insurance claims
- Homeowner’s insurance claims
- Medical insurance claims
- Property damage claims
Regardless of the type of claim you filed, when your insurance company denies your claim, it can add frustration and stress to an already stressful situation. You deserve to have representation on your side who isn’t afraid to stand up to the insurance company and fight to protect your rights. Eric H. Luckman, P.A. is that representation.
Insurance claim denials
Your insurance company may give many reasons for denying your claim. They may also not give a single reason. The most common reasons we see are:
- Your insurance application has a mistake: because you made a mistake on your insurance application, your insurance company has now decided to deny your claim and cancel your insurance
- Your insurance company says you lied on your claim: this is a serious accusation and you need legal representation to fight this
No matter why your insurance company denied your claim, your best chance of success is with an experienced insurance dispute attorney at your side. Eric H. Luckman, P.A. has been helping clients just like you for many years. We understand the games that insurance companies play and we know how to combat them.
Letting your claim go for too long after your denial could be detrimental to your ability to recover. This is why it’s so important that you contact us immediately after your claim has been denied.
Eric H. Luckman, P.A. can get you results
The best way to protect your rights after your insurance claim has been denied, is to have the right team fighting for you. Our team has a deep understanding of insurance company tactics and we know how to combat them. You don’t need to deal with your insurance company anymore.
That’s where we come in. When you work with Eric H. Luckman, P.A., we make sure you have the best chance of recovering everything you deserve.
Dealing with your insurance company can be more stressful than you anticipated. On top of all the stress you’re currently experiencing, you don’t need this, too. That’s why it’s important you contact us right away so we can get to work on your behalf. By choosing the experienced attorneys of Eric H. Luckman, P.A. you give yourself the opportunity to get the full compensation you need.
Putting you and your family first means getting representation from a skilled legal firm. Call Eric H. Luckman, P.A. today to get started. We’re ready to schedule your free consultation and show you how we can help you recover the full compensation your claim deserves.