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What is an Insurance Claim?

In Miami, the Perazzo Law Firm shares insight for understanding insurance claims and how they work after an accident or situation that results in personal injury, damages, or losses.

Miami-Insurance-Claim-Lawyer-300x201What is an Insurance Claim?

An insurance claim is a legal means for obtaining compensation from those found legally at fault after an accident, an act of negligence, or any sort of wrongdoing by another individual, manufacturer, or business operator. When an accident victim files an insurance claim, most often through a personal injury attorney, he or she is making a formal request to their insurance provider, and/or the insurance provider of those at fault. The insurance claim is meant to help compensate accident victims so that they can cover their financial losses, physical pain, mental trauma, damages, or any other losses brought on from an accident, negligence, or wrongdoing. Jonathan Perazzo, personal injury attorney and founder of the Perazzo Law Firm, strongly urges accident victims, to consult a trusted and dedicated personal injury lawyer before filing an insurance claim on their own. Why? Because it is a common practice among insurance providers to offer accident victims, or those that have suffered losses, settlements which are lower than their real value. In other words, without the legal services of a dedicated personal injury lawyer, the person filing the insurance claim may receive less than the claim is actually worth. When in doubt, contact a personal injury lawyer that will strive for the maximum possible payout or compensation deserved to cover personal injury, damages, or losses.

When should an individual consider filing an Insurance Claim?

Filing an insurance claim should always be considered when there is a situation that results in personal injury, damages, or losses. However, many times this situation, be it a car accident, a slip and fall accident, or even damage to your home after a hurricane, may not exceed your insurance policy’s deductible amount. In other words, your deductible may be enough to cover your losses and thus, filing an insurance claim may not be necessary. In the event that your losses exceed your deductible and you don’t have enough to cover expenses or losses, filing an insurance claim through a personal injury lawyer is highly recommended to receive the payout or compensation you deserve. Sadly, insurance providers may raise your premiums if they are legally entitled to payout or compensate you for your losses. Jonathan Perazzo reminds those looking to file an insurance claim that insurance companies are in the business of making money, not spending it.

The Top Three when it comes to determining if to file an insurance claim:

  1. After an accident or situation that results in bodily injury: breaks, cuts, fractures, sprains, strains, head, back, and more
  2. When it is difficult to determine fault for an accident or situation that results in personal injury, damages, or losses
  3. When your losses exceed your insurance deductible

The Main Practice Areas that involve Insurance Claims

As mentioned above, injuries and damages, usually serious and severe, will merit an insurance claim by a personal injury lawyer. In Miami, the Perazzo Law Firm understands that the main situations in which an insurance claim could be filed are:

If any of the above situations apply to you, a friend, or relative, do not hesitate to contact the Perazzo Law Firm in Miami-Dade for a FREE initial consultation to help you determine if a situation merits an insurance claim.

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