The insurance company will review your claim to determine if it is valid and determine the amount due. Before starting an investigation, they will need to know if the car was damaged and if you were injured.
How long does an insurance company have to investigate a claim in Florida?
Insurance companies use adjusters to conduct these investigations. The length of an accident investigation will depend on the type of claim against the insurance company.
General insurance claim
Florida does not have specific deadlines for general insurance claims. Management dictates that the insurance company must investigate within a reasonable time. A Property Liability Inspector investigates damage to your vehicle and other personal property damaged in an accident.
The investigation may take some time, as the adjusters must visit the crash site. They must also assess the vehicle, photograph and record the damage received. Insurance company specialists, if present, interview witnesses who may have witnessed the accident.
The guilty driver or his insurance company pays for most claims. The insurance company will require a brief description of how the accident happened. The Adjusters can sometimes force you to give a written statement; however, since you do not have a contract with them, this is not a requirement for your claim.
The insurance company is in no hurry to pay your claim. In a state like Floridawhere you need to specify a period, you may find that they are playing for time. If you feel that your lawsuit should move at an acceptable speed, you should hire an attorney to speed up the process. There are legitimate Resources available on the Internet, which can help in such situations.
Personal Injury Protection Statement (PIP)
A Liability Specialist investigates such claims. They process payments related to your medical bills, lost wages, pain and suffering. In Florida, insurance companies have 30 days to deny or validate a claim.
The insurance company will confirm if there is coverage for your claim. Once approved, they will send an assessor to investigate fault/liability and injury/damage. They will assign a percentage of blame to the driver.
Responsibility can be from zero to one hundred percent. There are many accidents every year, and in most cases, part of the blame lies with the driver.
The adjuster will require you to review all of your medical bills and records. You must sign a medical clearance form so they can access your medical records. You are not required by law to disclose your medical records, but providing them may expedite the application process.
The law requires the insurance company to establish a provision for your claim for damages; the amount of the reserve decreases or increases depending on the conclusions of the insurance agent. You can calculate the cost of your claim by adding up your medical bills, lost wages, and estimates of pain and suffering.
A car accident can be overwhelming. You must take the necessary precautions not to end up in one of them, but it is advisable not to do it alone if this happens. You can quickly turn to online legal resources to find out how best to proceed in times like these.
What will delay the investigation?
The insurance company would like to investigate and pay the claim as soon as possible. However, if they encounter any red flags during the process, they take the time to confirm it. Some of them include; conflicting or incomplete information, lack of cooperation, or complexity of the case.
Some of the tools they will use to investigate include:
Social media: Social media can provide information about your activities before and after an accident. If, for example, the claim involved an injury, they will be on the lookout to see if you’ve had it before. They may also detect that you have used your phone while driving, for example if you have recorded live on the platform.
Mobile phone records: Cell phone records can show if you were on the phone when the accident happened. They can also use it to find out your location during an accident.
Financial reports: The insurance company may use your financial statements to check if you have money problems. It would be a red flag because someone would like to cash out the claim.
Medical records: The company may use medical records to confirm that there were no injuries prior to the accident. They will also check the severity of the requirements.
Observation: Insurance companies will use an appraiser to follow you around to gather information. For example, if the claim includes a leg injury, they will monitor it and confirm if it is true. If you are spotted while jogging, they will take photos and videos as proof of your claim.
An accident is an injury that is difficult for everyone to deal with. However, forewarned is forearmed, and I hope that with this knowledge, you will be better prepared for the obstacles ahead.