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You are in an accident that is
the fault of the other party. You are
insured but the other guy is either not insured or has too little insurance.
(You would be surprised how many people in Florida are un or under insured).
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Our client (the insurance
company) pays your claim (according to your policy agreement), less your
deductible.
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Our client then tries to
recoup their money from the other party, often a very difficult task
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If they are not able to
collect, the insurance company hires our firm. The idea is that if we sue the
person that caused the accident (and sometimes other people involved in the
accident) the insurance company (and you) can get repaid for the damages caused
by the accident.
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Once the new
case comes in from the insurance company, we send you a letter alerting you to
the fact that we are now involved in the case and offering you an opportunity
to have us attempt to recover the damages that are covered by your policy.
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This
notification is not a solicitation, but a courtesy, to make sure that you are
fully informed.
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We then contact any other
carrier that may be present and make every attempt to resolve the matter without
litigation. In many cases these efforts are successful, and any funds collected
are remitted to the insurance company.
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The insurance company will
then later contact you and send you a check for whatever portion of the recovery
is reimbursable to you, pursuant to the terms of your policy.
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In the event that the case
must go to litigation, you will be notified so that
your claim is pursued. If you have an attorney already in regard to the claim
that is fine with us and we will be happy to fully cooperate with your counsel
of choice.
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If you agree to have us handle
your part of the claim by returning the package that we provide to you, you then
become our client, just like the insurance company.
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The next step
is for us to go to court. We file suit, do our best to serve the other party and
go from there.
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If the case proceeds, we will
contact you and keep you informed regarding our need for you as a witness. If
the case goes to trial, we will need you to testify. We will carefully and
completely prepare you for this process, which is actually fairly quick and
painless.
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Once the case is concluded the
Court will enter a judgment, usually in your favor.
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We then use the power of the
judgment to take further steps to collect the debt.
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At any point in this process,
we may collect the debt. When we do, the funds are paid to the insurance
company, and they promptly pay you the appropriate amount.
