How To Protect Your Rights When Filing An Insurance Claim

By The Perazzo Law Firm

For many of us, a personal vehicle is a necessity of life. We use it for everything, from buying groceries to ferrying kids to soccer practice. A personal vehilce is often used as a source of income. Unfortunately, a single car accident as a result of a negligent driver can cause, not only, serious injury from direct physical impact but also a loss of income.

Given this year’s hyper active hurricane season, many families have had their homes damaged. Heavy winds from storms have damaged roofs resulting in water entering inside the home. Severe floods have washed away driveways and caused water damage to the dwelling.

It is natural, in these cases, to want to restore our property to its previous condition to be able to drive to work and be able to return to our homes. In most instances, an insurance policy is meant to protect us from unforeseen injuries and damage. However, insurance companies want to protect themselves and reduce a potential payout on a claim that should otherwise be covered and paid in full.

Insurance policies have hidden requirements that force the policy holders to make immediate repairs to damaged property in order to prevent the damage from becoming worse. This is called mitigation of damages. It means, if your home floods, for example, it is up to you, the policy holder, to make immediate repairs at your own expense.

In cases of personal injury from car accidents, the insurance companies may force the policy holder to preserve the evidence of damage. That is, avoid repairing your vehicle until it can be inspected by the insurance company. During that time, of course, you may not be able to use your vehicle thereby missing work and losing income at a time when medical expenses may be coming due.

If you lose your patience waiting for your property to be inspected and fix the damage at your expense, the insurance company may reduce your recovery or deny your claim altogether. It is always important to preserve and record. If your home or vehicle suffered damage or you have suffered a personal injury, it is vital to take all steps necessary to keep an accurate record. For example, if your home is damaged by a plumbing system leak, you should preserve the pipe that burst and record the extent of the damage before and after repairs. If you are dealing with personal injury, keep a diary of your injuries and physical therapy for future reference to be able to prove the extent of injuries to receive full and fair compensation.

At The Perazzo Law Firm, we pride ourselves in representing the people of Florida and their families. We will always put our clients’ needs at the forefront of the fight against the insurance industry. Our Florida lawyers have dedicated their entire careers in fighting for your rights. Whether you seek compensation for injuries, fighting for justice for wrongful arrest or looking to repair your home, you can rest assured our lawyers will be there for you.

If you or a loved one has suffered an injury, we encourage you to call us at 786 LAWS-411 (786-529-7411) to set up a FREE consultation to discuss your legal rights.