Being involved in a motor vehicle accident can be traumatic, both physically and emotionally, particularly when you were not at fault. Confusion reigns in the moments following the collision and continues as you make statements to police officers and assess the damage to your car and any injuries you suffered.
As the reality of a crash caused by negligence sets in, you must take specific steps to protect your rights and hold the responsible party accountable for injuries and property damage that you have suffered.
A mandated and sometimes frustrating timeline
Once you file an insurance claim in Florida, insurers have 14 days to verify receipt and mail instructions and paperwork to you. One of the more important documents is the “proof-of-loss” form that is a defacto “sworn statement” about the extent of the damage or injuries caused by the accident.
Once submitted, insurance companies have 30 days to make their decision and 20 days after that to provide payment for the approved claim.
Certain circumstances can affect the time it takes to settle a claim, mainly when an accident was serious and multiple injuries were the result. More frustrating factors involve the responsible driver, their insurance company, and the adjuster slowing down the process.
In many of those cases, the opposing side is engaging in “bad faith,” which can result in additional legal action where interest and penalties are added.
As an accident victim, you have enough to deal with following an accident. Your job is to try and recover from the injuries you suffered. A skilled and experienced personal injury attorney can serve as your advocate and spokesperson, handling all aspects of your claim while focusing on maximizing the compensation you deserve.