Insurance Attorney in Port St. Lucie

If you need to file a claim with an insurance company, protect your rights and increase your chances of receiving a fair settlement by taking a few simple steps, including:

1. Review your insurance policy: Check your insurance policy meticulously to determine your coverage and the next best steps. Pay attention to any deadlines or requirements for submitting a claim.
2. Document your losses: Take photos or videos of the damage and gather any physical evidence, such as damaged property or medical bills.
3. Contact your insurance company promptly: Report the loss to your insurer immediately. Provide all the required information and cooperate fully, but avoid admitting fault or making statements that could be misconstrued as admitting responsibility.
4. Keep track of all correspondence: Record all communications with your insurance company, including emails and letters. Make notes of all phone conversations, including the time, date, and who you spoke with.
5. Seek legal advice: If your insurance company refuses to investigate your claim, undervalues your damages, or acts in bad faith, you need a Morgan & Morgan Port St. Lucie insurance lawyer in your corner.

Your insurer or the at-fault party’s insurance company may ask you to provide a recorded statement. Typically, an adjuster will ask you about details of your covered loss over the phone while the insurance company records your answers. Recorded statements can become problematic for claimants, as anything you say could be used against you.

Reasons why individuals should be careful about giving a recorded statement include:

• Insurance adjusters are trained to ask questions in such a way that could lead you to reveal information that is later used to deny or undervalue your claim.
• You may not yet have all the information you need to provide an accurate and complete statement of your accident or other loss.
• You could inadvertently admit fault during a recorded statement.

You are not obliged, by law, to provide an insurer with a recorded statement and can refuse to do so. However, if you agree to a recorded statement, be honest and accurate. If specific questions make you uncomfortable or give you the impression that an adjuster is trying to manipulate you, decline to answer.  

Consider contacting an insurance lawyer in Port St. Lucie who can help you understand your rights and obligations under the terms of your policy and protect your interests throughout the claims process.

Insurance companies must investigate and process valid claims promptly and reasonably. Depending on the type of claim, an adjuster investigates and collects information as soon as practical. Investigations must be carried out promptly to ensure no vital evidence is lost. Moreover, you could lose a fair settlement if your insurer refuses to timely investigate your claim.

When an insurance company refuses to investigate a claim without good reason, it may act in bad faith, which is illegal. If this has happened to you, Morgan & Morgan’s insurance lawyers in Port St. Lucie could help you recover your initial claim amount plus damages from the insurance company.

Handling insurance disputes on your own can be frustrating and exhausting. Moreover, insurers often employ teams of lawyers who do nothing but fight claims. To give yourself the best chance of prevailing against an insurer, hire an attorney familiar with local laws and regulations.

Morgan & Morgan is everywhere for everyone. Our insurance lawyers in Port St. Lucie understand the local court system and can provide you with personalized attention and support. They can take the time to understand your specific situation and work tirelessly to recover what you deserve.

The statute of limitations sets a time limit on when you can file a lawsuit. In the context of insurance claims, you have a certain amount of time to sue an insurance company if they have denied your claim or made lowball offers. The specific time limit depends on the type of case you bring.

For example, if you intend to sue your homeowners’ insurance, you generally have four years to do so in Florida. Since deadlines can vary, speak to an insurance lawyer in Port St. Lucie to ensure you know the best timing for your lawsuit.

A first-party insurance claim is made by the policyholder for a loss covered by their insurance policy. For instance, you would make a first-party claim if you sustained car damage and injuries in a crash and file a claim with your car insurance company.

On the other hand, a third-party insurance claim is made against another’s insurance policy for a loss the other party caused. For example, if another driver caused your crash, and you make a claim against their insurer, you are filing a third-party claim.

Morgan & Morgan believes you deserve the best legal representation regardless of your financial situation. Therefore, we don’t charge clients a dime upfront. Our fee is free unless and until we win and recover for you. Moreover, in many cases, an insurance company that lost its case must pay for the policyholder’s attorney’s fees.

Morgan & Morgan knows that dealing with insurance companies can be frustrating and upsetting. However, don’t give up if you struggle to get what you deserve from an insurance company. Instead, contact us and tell us what happened. You deserve an adequate settlement for a valid claim, and we could help you get justice.

Morgan & Morgan has a track record of standing up to powerful insurance companies and helping people like you fight the big bullies. Our Port St. Lucie insurance lawyers want to help you navigate the complex world of insurance claims and fight for the settlement you need to pay your bills and get your life back on track.

Contact us now for a free, no-obligation case review to discover your options.