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How to Handle Your Insurance Company after an Accident

Dealing with your insurance company after you’ve been in an accident can be a dreadful experience. While they may tell you that you are covered and they will do what is necessary to protect you, they don’t stick around once your expenses rack up past your policy plan.

To ensure you are receiving everything you need and deserve from your insurance company after you’ve been in an accident, you should do the following:

Act Immediately

If you have been in an accident, it is important to seek immediate medical treatment before anything else for your injuries. This will not only benefit your health, but it will benefit you in the long run when it comes to handling your insurance company. You will have proof that your injuries were serious enough to require compensation for expenses, as well as costs for possible long term treatment, if necessary.

In the state of Florida, accident victims have fourteen days to seek medical treatment following an accident. If you do not act within this time frame, then you may risk losing any medical benefits. While an accident can be traumatizing, remaining in medical debt can be worse…

Florida’s Rules

Florida is a no-fault driving state. This has proven to be helpful in some cases, such as minor accidents, because it doesn’t place the blame on either driver, and insurance companies will likely cover your medical expenses up to approximately $10,000.

Unfortunately, because the mandated insurance levels are so low and no one is necessarily blamed for an accident, this can make filing a lawsuit extremely difficult. Negligent drivers are hard to blame for an accident, so getting a settlement for your accident injuries can be difficult to pursue.

Other Circumstances

Some other factors and circumstances might be important when dealing with your or the other driver’s insurance company.

For example, a first-party claim is often associated with an accident. This is when you have filed a claim against your own insurance company due to mistreatment or they did not act in good faith. If this happens, you may be able to file a lawsuit against your insurance company and receive additional benefits.

A third-party claim is filed against another’s insurance company. This is when their insurance company acts in poor faith or does not do what is necessary to resolve your claim. These claims can become quite complex, so speak with an experienced attorney first.

Contact a Daytona Beach Personal Injury Attorney

At The Law Offices of Robert W. Elton, it is our job to fight for you and get you the compensation you deserve after an accident. Sometimes insurance companies can be tough to deal with but with the right legal team on your side, you will be able to confidently face any challenges. For a free consultation to a Daytona Beach insurance claim attorney, call us at 386-274-2229 or contact us online.

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  2. What is Disability Insurance?
  3. The Dos and Don’ts of Filing a Car Accident Claim with Your Insurance
  4. 3 Tips for Disputing a Car Insurance Claim

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