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Property Damage to Vehicles
Many events can cause damage to your vehicle. Events such as an engine fire, a fallen tree, water damage, flood, theft or fire can all leave your vehicle totaled and worthless. When you make your claim to your insurance company, you may find out that the full extent of the damage many not be covered or, you may find that the insurer just does not want to cover it for you.
Even your own insurance company may try to under pay your claim and offer you the smallest possible amount of money for the damage to your vehicle. Even so, under Florida law, the insurer still must honor the terms of the policy or they may be found to have acted in bad faith toward you.
If your insurer is making it difficult to receive payment for your vehicle damage or theft claim, please contact Attorney Hans Kennon for experienced legal advice. We have taken on the big insurance companies on behalf of people just like you and we get results.
Let me review your insurance policy and let me determine if you have received all the benefits described, which often include, rental or loaner car coverage for you while the vehicle is repaired. If you are being underpaid for the value of your vehicle or the insurer is not covering all needed repairs, we will negotiate with the insurance company to make sure that you are fairly paid for the damage to your vehicle and maximize your benefit recovery.
Insurance companies will often try to insist that it wants to repair your vehicle when the insurer should simply pay the fair market value for the car. Insurers call that payment the actual cash value or “ACV” and that is a calculation made by the insurers to pay as little as possible for your totaled vehicle. I have successfully handled many claims to make the insurer total out the vehicle instead of repairing the vehicle. In other cases, the insurance company has been made to pay the proper value for a total loss – instead of a low ball amount. If the car is not sufficiently damaged to be totaled, we have made the insurance company pay to fix the vehicle again or cover additional repairs that they initially refused to do.