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Automobile Insurance/PIP Suits

Our Areas of Practice

We focus our firm’s resources on handling personal injury matters for clients who have been seriously injured in Florida accidents.

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Miami Car Insurance Claim Lawyer

Insurance companies are for-profit companies, many of them publicly owned and traded. As a result, they have to worry about shareholders and the value of their stock. In order to increase profits, insurers can’t simply sell more car insurance policies. In order to maintain a favorable rating with Standard & Poor’s (or Moody’s), insurers should maintain a three to one ratio of premium to surplus dollars: for every three dollars an insurer underwrites, it must have at least one dollar in surplus to cover losses on policies.

One way to increase profits is reducing the amount insurers pay out on claims. As a result, it’s not uncommon for insurers to promote stop-loss programs that aggressively question claims on the part of policyholders and medical clinics. As a result, doctors seeking reimbursement for services provided to automobile accident patients can find themselves facing nonpayment for services provided.

Ferrer & Gonzalez, PL, represents policyholders and/or doctors in cases involving lawsuits seeking payment for services provided. We have the experience and investigative resources needed to prosecute PIP cases. To discuss your collection case or possible PIP suit, schedule a free consultation and discuss your case, contact a Miami car insurance claim attorney at Ferrer & Gonzalez, PL, today.

Policyholders and Denied Coverage

The fraud department of an insurance company is tasked with investigating and challenging suspicious claims. Unfortunately, since these investigations are handled by insurers themselves and not by the government, there is no due process to protect your rights. As a result, a person can be accused of falsifying claims and denied coverage without getting a proper hearing according to procedural principles that ensure fairness.

In the end, the burden to prove the insurer was wrong falls on the injury victim or his/her assignee. That’s why our attorneys represent people denied coverage or accused of submitting an inaccurate or false claim. We investigate the allegations involved, the actions of an insurer, and expose self-serving conclusions that do not rest on the facts.

Doctors, Clinics, and PIP Suits

When doctors or clinics provide medical care for an injury victim, PIP coverage commonly comes into play, depending on the specifics of the accident and case. In some instances, an insurer will deny coverage or insist that their doctor examine the patient in what is commonly called an independent medical examination (IME), or demand that the injury victim attend an examination under oath (EUO). This is often a precursor to denying coverage or prematurely terminating the payment for reasonable and necessary medical care. Our office protects policyholders and doctors against these kinds of actions on the part of insurers, leveraging the facts and the law in their favor.

Underinsured and Uninsured Motorist Claims

If you have been involved in a car accident, and the other driver is underinsured or uninsured, you may be able to use your own insurance coverage to pay for your injuries and other damages. Uninsured/underinsured motorist coverage can be purchased alongside your policy to provide protection in these types of accidents. It is important to understand your coverage and what benefits you are entitled to.

In Florida, a driver is required to have a minimum of $10,000 in personal injury protection (PIP) coverage. In most serious accidents, however, $10,000 is not enough to pay for necessary medical treatment. When the other driver does not have insurance or does not have enough insurance to pay for your damages, you may be able to pursue coverage from your own uninsured or underinsured motorist coverage.

Our firm helps those who have already been involved in an accident and need to pursue compensation from an underinsured/uninsured motorist policy. We also can advise you about your policy and help you understand if you have the necessary coverage to protect you in the event of an accident.

Contact Personal Injury Attorneys at Ferrer & Gonzalez, PL, Today

We have the experience and knowledge needed to protect your interests and defend your rights. To schedule an appointment and learn how our Miami car accident attorneys can help you, contact an injury lawyer at Ferrer & Gonzalez, PL, today.

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