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Frequently Asked Questions

Personal Injury

When will my car be repaired?

Your vehicle will be repaired once the insurance company at fault completes its liability investigation. This investigation includes, but is not limited to, reviewing the police report, speaking with their insured and speaking with the driver. This investigation can take anywhere from a couple of days to a couple of weeks.

Once the at fault insurance company completes its investigation it will either send someone out to do an estimate of the damage to your vehicle or request that you take photos of the damage to your vehicle and send it to them.

What if it takes too long for the insurance company to complete their liability investigation?

If you do not want to wait for the at fault insurance company to complete its investigation, you can use your collision coverage on your own auto insurance policy, if you have it.

If an insurance company calls me, what do I do?

DO NOT speak with any insurance companies, not even your own insurance company. Contact our office immediately advising us that you received an insurance call.

When will my police report be ready?

A police report is typically available within 7 business days after your accident.

How does PIP coverage work in the State of Florida?

In the state of Florida, your auto insurance company pays up to $10,000 towards your medical bills that pertain to your medical treatment as it relates to the injuries you sustain in this accident. This is the case whether it is your fault or not.

How much will I get as payment once my case settled?

Each case is different. It is not possible to provide a number, or even an estimate, from the onset of any case.

How does a personal injury case work?

Once you have completed your medical treatment, we will send a demand letter to the insurance company at fault, which will include all of your medical records and bills. Once the insurance company receives the demand, they have about 30 days to respond to our offer to settle with a counter offer or acceptance. We will then contact you to discuss the offer presented and what the next step would be in our negotiation process.

How long will my case take to finalize?

Every case is different. However, most cases take approximately 6 months to a year. If we have to file suit, it may take longer.

Health Insurance

What is a health insurance denial?

A denial is when your health insurance company tells you that it will not cover the costs of your medication or medical treatment. Many health insurance denials may be resolved through the insurance appeals process.

What is an Explanation of Benefits?

An EOB is a statement from your health insurance plan describing what costs it will cover for medical care or products you’ve received. The EOB is generated when your medical provider submits a claim for the services you received. The insurance company sends you an EOBs to clarify (i) The cost of the care you received (ii) Any money you saved by visiting in-network providers (iii) Any out-of-pocket medical expenses you’ll be responsible for (iv) any cost sharing under your contract of insurance.

What type of health insurance do I have?

There are four general type of plans (i) marketplace plans (ii) employer plans (iii) self-insured plans (iv) short-term plans

What happens if my health insurance fails to approve a medication or treatment?

You will have to review your policy and EOB to determine the reason for the denial. If you find an error was made, you may submit an appeal for re-consideration of the decision. There are typically three levels of appeal. The First Level, A second Level and an External Review. If your claims are denied at all levels, legal action is the next step. Employer plans are the only health plans that require an appeal. Unless the health policy says otherwise, an appeal is not mandatory for other health insurance plans.

What is a health insurance appeal?

If your health plan refuses to pay a claim or ends your coverage, you have the right to appeal the decision and have it reviewed by a third party. There are typically three levels of appeal. The First Level, A second Level and an External Review. If your claims are denied at all levels, legal action is the next step.

I have a large bill because my health insurer failed to pay for my medical bill, what next?

If you have an employer plan the next step is filing an appeal. You must be aware of time limits to file an appeal. Failure to file an appeal may bar your claim and any legal action in the future. If you have a short term plan or a marketplace plan, an appeal is not usually mandatory and you can proceed to legal action after 60 days have elapsed from the date the claim was denied.

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