INSURANCE CLAIMS
What qualifies as an insurance claim? Pretty much any claim you make against an insurance company for damages. The damages can be anything from medical bills to lost wages to pain and suffering to the reconstruction of your damaged home. Insurance claims can be made against your own insurance company or another party’s insurance company depending on the situation at hand.
3rd PARTY CLAIMS. These claims include AUTO ACCIDENTS, PERSONAL INJURY, WRONGFUL DEATH, DUI VICTIMS, SLIP & FALL, and DOG BITES. They are called 3rd party claims because the injured party is a 3rd party to the relationship between the insurer and the insured.
1st PARTY CLAIMS. These claims include SINKHOLES, TOXIC MOLD, and the newly popular CHINESE DRYWALL. These claims are called 1st party claims because you are making the claim against your own insurance company.
Who is the INSURED? The INSURED is the person protected by the insurance policy in question. If you get rear-ended by a pizza delivery driver and make a claim against his insurance then he would be the INSURED. If you find that a SINKHOLE has opened up underneath your home then you would make a claim against your own Homeowner’s Insurance Policy making you the INSURED.
Who is the INSURER? The INSURER is the insurance company you are making the claim against. Using the example of the pizza delivery driver, lets say that he is an independent contractor and insurance is not provided by the pizza place he drives for (yes, this is a common scenario). After some digging your auto accident attorney finds that he is insured by GEICO. Thus, GEICO would be the INSURER. Using the SINKHOLE example, if you are insured through CITIZENS Insurance then CITIZENS would be the INSURER.
Why would I make a 3rd party insurance claim? If you are injured in a car accident caused by another driver then you will likely be left with some combination of the following; injuries, medical bills, lost wages, future injuries, future medical bills, pain and suffering, just to name a few potential issues. The system is designed so that people buy insurance which covers all of the above in the event of an accident. This raises another important issue relating to the number of legal, uninsured and underinsured drivers in the State of Florida (but we will get to that later).
Why would I make a 1st party insurance claim? People purchase homeowner’s insurance to protect their home and their valuables in case of theft or destruction. If a SINKHOLE opens up under or near your home then you will need money to repair the SINKHOLE as well as damage to the home. It wouldn’t make sense to keep a house with a sinkhole that is worth only a fraction of the value of the loan. Thus, you make a claim against your homeowner’s insurance to pay for the repairs as well as any other damage caused. That is the point of paying for insurance, to protect yourself and your family.
What types of Insurance Claims does STAMATAKIS + THALJI handle? I thought you would never ask. Our law firm handles:
3rd PARTY INSURANCE CLAIMS: AUTO ACCIDENTS, PERSONAL INJURY, MOTORCYCLE ACCIDENTS, WRONGFUL DEATH, DUI VICTIMS, SLIP AND FALL, and DOG BITES.
1st PARTY INSURANCE CLAIMS: SINKHOLES, TOXIC MOLD, CHINESE DRYWALL.
At STAMATAKIS + THALJI we always offer FREE Consultations. Most Insurance Claims are Contigency Fee claims. This means No Recovery for you No Fees for us.
STAMATAKIS + THALJI: Consumer Justice Attorneys
Hard Work. Consumer Advocacy. Honesty.
STAMATAKIS + THALJI is a full service consumer law firm dedicated to justice for all Floridians. Our firm focuses much of our practice on Insurance Claims and Consumer Claims. Auto Accidents, Personal Injury, Wrongful Death, Motorcycle Accidents, DUI Victims, Slip and Fall, Dog Bites, Foreclosure Defense, Bankruptcy, Loan Modification, Short Sales, Credit Card Defense, and Credit Repair are just a sampling of the types of claims we handle for consumers. Call or email today for your FREE consultation.
STAMATAKIS + THALJI Consumer Justice Attorneys
Main Offices 13904 N Dale Mabry Hwy, 301 Tampa, FL 33618
Call Today 813.282.9330 | 866.479.6946
Consultations available in Orlando, Kissimmiee, Bradenton, Sarasota, Port Charlotte, Ft Myers, and Naples.