If you are involved in a car accident and sustain injuries, you may believe seeking insurance benefits will be as easy as picking up the phone and calling your insurance company to make a claim. Unfortunately, it is often not that simple and many people face complications in the personal injury protection (PIP) insurance process. This often leads to the question: should you seek help from an attorney to deal with your PIP claim?
Communicating with Your Insurer
In some cases, a claim may be relatively straightforward and you may receive the payment you need relatively easily. This is generally the case after a minor collision in which you suffered minimal injuries and your policy easily covered your costs of treatment.
However, in situations involving more serious injuries, there may be a dispute as to the severity of your condition and the treatments needed. In these situations, your full claim may be denied and you may need to present further evidence to support your claim and the treatments you received. These communications and negotiations with your insurer can be challenging and often adversarial. It is always wise to have a legal professional who understands PIP insurance handling such negotiations and appeals of a denied claim.
Identifying When PIP Isn’t Enough
Some accidents result in such severe injuries that PIP insurance policies will never be enough to fully compensate you for your medical bills and other losses. In such situations, an attorney can identify whether you have the right to seek compensation by filing a personal injury claim in civil court. This can be a complex analysis and should always be evaluated by a skilled Florida personal injury lawyer.