Getting insurance to cover your medical costs after a car accident seems like it should be easy, especially if the other driver was clearly at fault and you have evidence proving you’ve suffered injury. If you have tried to have an insurer process a claim, you may know this can be challenging. You could spend days or weeks just getting the process started, and after all that work, an insurer could still deny your claim.
Even if all the evidence is on your side and the other driver’s insurance company cooperates, Mercury could still block your claim. If it denies your claim, you’ll have to start from the beginning. The possible solution is to let our Florida Mercury car insurance claim lawyer take care of everything for you. At Chalik & Chalik Injury Lawyers, our personal injury lawyer is part attorney and part advocate. We start with a no-cost, no-obligation consultation where you can find out everything you need to know right up front.
Mercury’s Insurance Adjusters Could Try to Deny Your Accident Claim
Mercury may be the one that ends up giving you the compensation you need to pay your bills, but you could end up dealing with a gauntlet from here to there. The company could make use of insurance adjusters whose primary aim is to save the company money. To do this, they grant minimum coverage and deny claims whenever possible.
They could ask for a lot of evidence and information, putting the burden of proof on you. Even so, Florida Statutes § 627.737 requires insurance companies to provide their customers with coverage if they meet the burden of proof. An adjuster will ask for as many details as possible. At first glance, this may seem like they’re being thorough for your sake, but in reality, they’re looking for anything they can possibly use against you. You don’t have to answer calls from insurance adjusters, and you can speak with your attorney before providing them with any information.
It’s also important that you keep your medical records secure. Even though this is privileged information, Mercury could use methods to try to get your approval to access these files. From there, they may misrepresent your case for their benefit.
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Florida Mercury Car Insurance Claim Attorneys Can Help You Seek Legal Action After a Coverage Denial
Mercury’s insurance adjusters will do everything they can to instill a sense of urgency in you, especially when offering a settlement. Whatever they may tell you about a time limit for filing an insurance claim with Mercury, you should know that Florida has a statute of limitations for injury lawsuits. Florida Statutes § 95.11(3)(a) generally grants you four years to file a lawsuit for your accident damages. You have time to weigh your options and build your case.
Any settlement you accept is legally binding. This means that once you receive a Mercury insurance claim settlement, you can’t ask for any more compensation for this claim. This can be disastrous, especially in cases where you develop a chronic condition sometime after the accident.
Not only will you want to take your time with deciding, but you can run any settlement offer by your attorney first. While a settlement may look appealing, it could end up being far less than you might be able to win in court. A car insurance claim lawyer will be able to tell a subpar offer from a reasonable one, and they’ll be able to fight for a higher amount whenever possible.
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Why Hire a Florida Mercury Car Insurance Claim Lawyer?
Beyond being able to advocate for you and win higher compensation amounts in your case, our attorney will also be able to handle all the tedious details for you, which gives you time to focus on other matters.
A common insurer strategy is to take information out of context. An adjuster might appear quite sympathetic as they ask to hear your side of the story. They could ask for a written statement so that they have all the necessary facts, not mentioning that they will use your story to grant minimal coverage or even deny your claim.
An adjuster might also get you on the phone and ask how you’re feeling. If you tell them that you’re starting to heal, they could say you don’t need coverage for your accident losses. Our attorney can talk to the insurance company for you to avoid having your statements used against you.
Our Florida Attorneys Can Fight for Fair Compensation for You After an Accident
Our Florida Mercury car insurance claim lawyer will act as a buffer between you and the adjuster, providing them only with the information they need to process your claim. They can negotiate with Mercury to offer you a fair settlement, possibly avoiding going to court.
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Why Turn to Chalik & Chalik Injury Lawyers?
Chalik & Chalik Injury Lawyers knows what it means to advocate for our clients. For 25 years, we’ve helped clients throughout Florida and gotten results for people from all walks of life.
Our team of professional and empathetic attorneys has what it takes to fight – and win – for you. We do what we do to help those most in need, and in the process, we’ve had the honor of recovering millions for our clients.
For a free legal consultation with a Chalik & Chalik lawyer serving Florida, call (855) 529-0269
Get In Touch With Our Florida Mercury Car Insurance Claim Lawyers and Get Your Free Consultation Today
If Mercury is fighting you on your car insurance claim, you are not alone. Our team of Florida Mercury car insurance claim lawyers is here for you. You may already be figuring out how to make ends meet, so the last thing you need is to build a case on your own. We can help. Contact us here at Chalik & Chalik Injury Lawyers to get your free consultation today.
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