Filing a claim requires filling out the proper paperwork, convincing an agent to reimburse your claims and facing much higher premiums as you continue to require insurance coverage well into the future. Dread may keep you from picking up the phone. Dread may keep you from filing the claim, answering the questions, and making those initial co-payments. In some cases, it may seem worthwhile to avoid the insurance company entirely. In other cases where the expenses are beyond your budgetary means, an insurance policy is your only recourse.
Negotiations with insurance companies require skill, knowledge and tact. The Raleigh insurance lawyers at the law office of Smyth & Cioffi, LLP often advise clients about insurance claims. There are some companies that try to talk their clients out of filing claims using intimidation or by distorting the truth. Claim delays and denials are another way in which insurance companies avoid paying policy holders. At Smyth & Cioffi, you'll get the truth about the viability of your claim. We will issue an injury demand letter, explain your bills, and defend your blamelessness for issues relied on by the insurance to deny your claim. Our goal is to help you get compensated for any of the following types of claims:
1. Know your policy. Your insurance policy limits the circumstances under which you can get compensated for an accident or injury. Certain events may not be covered under the policy and filing deadlines require that you submit your claim within a certain period of time. If you miss the filing deadline, your insurance company can refuse to reimburse you for out-of-pocket expenses — even if you were initially covered under the policy.
2. Maintain control over your emotions. In the heat of the moment, many drivers or policy holders may be too quick to assume responsibility for the accident or the event that gave rise to the insurance claim. The problem arises when evidence to the contrary reveals itself in the aftermath of an accident or devastating event. Distracted drivers, improperly designed roadways, poorly trained mechanics and other factors could have contributed to the accident. By accepting responsibility, you assume legal liability that could expose you to insurance claim denials and additional litigation.
3. Seek medical attention, if injured. Insurance companies are reluctant to reimburse policy holders without specific evidence of injury. A medical record can go a long way in securing your claim with the insurance company. Even if you might be injured, it is worth the insurance co-pay to at least have a doctor conduct a physical that may uncover internal injuries that are invisible to the naked eye.
4. Consult an attorney. When your insurance company has delayed payment or denied your claim, seek the advice of an experienced Raleigh insurance attorney at Smyth & Cioffi. We can help you understand the scope of your coverage and explore alternative avenues of claim recovery. Our goal is to help you seek maximum compensation.
5. File a claim sooner rather than later. Contact your insurance agent as soon as possible. Do not lie on your insurance claims form — especially when doing so may result in a denied claim and a cancelled policy. Hold off on taking your car to be repaired until you understand your insurance company's policies on repairs. If you believe that you are entitled to a substantial recovery, talk to an insurance law firm first so you can avoid some of the common pitfalls associated with filing a misrepresentative claim.
During more than two decades in personal injury and insurance law practice, the attorneys at the law office of Smyth & Cioffi have demonstrated a track record of litigation success. We take on some of the toughest cases and we see them through to the point of settlement, litigation or appeal. Our attorneys know the law and are committed to getting just results. Put our experience to work for you when you call or email us today. The initial consultation is free and there is no legal fee until you collect a settlement or money judgment.
