Underpaid Insurance Claims
Kremenchuker Law Group is your trusted underpaid insurance claim lawyers when you’ve been denied fair compensation or had your payout unfairly reduced after a health-related loss. Our lawyers combine skill, experience, and professionalism to move your case forward quickly and effectively, and we are ready to provide that level of dedicated support.
We handle a variety of cases, including
Health-related injury claims in which the compensation provided is inadequate to address incurred medical expenses and associated non-economic losses.
In circumstances where a reassessment is required to secure a fair settlement, whether for vehicle repairs or a minimized total loss, it should be based on accurate, documented costs.
In underpaid insurance claim problems where the at-fault party has no insurance, and your own provider delays the money or unfairly lowers the amount.
If you lost a relative in an accident and either didn’t receive proper repayment or were denied it altogether, we can build a strong case to take the matter to court.
If the adjuster sets the minimum PIP payout limit, citing the absence of an emergency medical condition, our team can challenge that decision.
If you were injured in a rideshare incident and the insurer is offering an inadequate settlement, our team pursues full compensation through the applicable commercial insurance coverage.
Our approach to insurance claims includes:
01
Detailed Investigation
We thoroughly investigate the accident to gather evidence and build a strong case.
02
Expert Negotiation
We negotiate with insurance companies to secure the best possible compensation
03
Continuous Support
We guide you through the entire legal process, from filing a claim to achieving a resolution
We provide personalized legal solutions
Extensive experience
Our team has extensive experience handling a wide range of legal cases in Fort Myers and North Port
Successful results
We are proud of our successful case outcomes and the trust our clients place in us.
Multilingual support
We offer services in Russian, Ukrainian, Spanish, French, and
English to better serve our diverse community.
Direct attorney access
You work directly with your attorney and can reach us when you need updates or answers
Free case evaluation
Our lawyers will contact you for a brief consultation and explain what steps can be taken
Need to contact us immediately?
Call 239-995-3425 or email us at leo@99legal.com
Types of compensation you may be entitled to
Medical Expenses
The compensation is based on the actual cost of medical treatment. The value ranges from a few thousand dollars for minor injuries to hundreds of thousands for severe, long-term injuries requiring extensive treatment.
Medical expenses are usually challenging to prove, but issues likely arise if treatment was delayed or not well-documented.
Future Medical Care
Future Medical Needs compensation covers the anticipated cost of ongoing or long-term medical treatment required after a car accident. This includes expenses related to rehabilitation, surgeries, therapy, or lifetime care for permanent disabilities. Settlement values typically range from $50,000 to several million dollars, depending on the severity of the injuries and the expected duration of care.
This type of compensation carries a high level of risk, as it depends heavily on expert medical testimony to accurately forecast future health conditions and related expenses.
Loss of Earning Capacity
Loss of Earning Capacity refers to compensation for the reduced ability to earn income in the future due to accident-related injuries or disabilities. The amount is estimated based on projected lost wages over the person’s remaining working years and can vary from tens of thousands to several million dollars, depending on factors such as age, occupation, education, and injury severity.
Proving this type of loss is complex, requiring detailed evidence of prior earnings, career trajectory, and expert economic analysis to clearly link the injury to diminished earning potential.
Vehicle Damage
Vehicle Damage compensation covers the cost to repair or replace a vehicle damaged in a car accident. The claim may include the cost to restore the car to its pre-accident condition or the fair market value if it is declared a total loss. The settlement amount depends on the vehicle’s age, make, model, mileage, pre-accident condition, and repair costs. Minor damages usually cost $500–$5,000 to fix, while severe damage or total loss can range from $10,000 to $100,000 or more, especially for newer or luxury cars.
Insurance adjusters or auto appraisers typically determine the final amount. Proving vehicle damage is usually straightforward with photos and repair estimates, though disputes can arise over pre-existing issues, depreciation, or total loss valuation.
Physical Pain
Physical Pain compensation addresses the physical suffering and discomfort caused by injuries sustained in an accident. It includes both immediate pain following the crash and ongoing pain experienced during recovery. The value is often calculated using a multiplier method, where medical expenses and other quantifiable damages are multiplied by a factor—typically between 1.5 and 5—based on the severity and duration of the pain.
Pain and suffering damages are inherently subjective, requiring comprehensive medical documentation, doctor testimony, and sometimes personal pain journals. The challenge lies in proving the lasting impact of the pain, especially if visible injuries appear healed or documentation is incomplete.
I had a great experience working at Kremenchuker Law Firm. Leo’s a great attorney! He... Read more
I had an excellent experience with this firm. From the very beginning, the team was... Read more
Leo Kremenchuker and his team were incredible. After my car accident, I had no idea... Read more
I had an excellent experience working with this law firm. From the very beginning, they... Read more
I was recently involved in a pedestrian vs. vehicle accident. A car slammed into me... Read more
Guys helped me after my car accident and handled everything with the insurance. Super responsive... Read more
I had a car accident recently and reached out to this firm. Leo, my attorney,... Read more
The best accident law firm!! Very responsive, attentive to every details. They go the extra mile.... Read more
A great Law Firm. I absolutely love how effective and efficient they are in there... Read more
It’s been a pleasure working with Hleb and other team members at Kremechuker Law Firm.... Read more
I can’t say enough great things about this law firm. From the moment I contacted... Read more
This is honestly the best law firm you can go if you’ve been in an... Read more
I’m very thankful to Attorney Leonid Kremenchuker and his amazing team. Leonid is professional, honest,... Read more
Frequently asked questions
What types of underpaid insurance claim legal help does your law firm provide?
We assist in any case where the injured party receives a lowball settlement check from the adjuster after a traffic-related incident.
The insurance payout didn’t even cover what I spent, can I recover more under my policy?
Yes, if you work with an experienced underpaid insurance claim attorney, you may be able to recover the full amount you spent.
What types of claims are most commonly filed against insurers in Florida?
Based on our underpaid insurance claims attorney in Florida, payouts are often undervalued for medical treatment after injuries, vehicle repairs, and lost wages.
How do I know if the settlement offer from the other party’s adjuster is too low?
You just need to calculate your actual expenses — for example, medical bills, car repairs, lost wages, or even emotional distress.
What should I do first if I suspect the compensation offer is too low?
We recommend that you don’t sign any release forms, gather all available documentation, and seek legal support right away.
Don’t delay — time is limited
Under Florida law, you have two years to file a personal injury claim. Missing the deadline can mean losing your right to full recovery.
Check out our full range of services
Underpaid Insurance Claim Lawyer in Fort Myers, North Port and beyond
Florida sees a constant flow of traffic and commercial activity, so insurance claims aren’t rare “one-off” events here – they’re a standard way of assigning financial responsibility after an incident. In practice, that means insurance payouts come up all the time, and they can be issued for situations like:
- Motor vehicle, motorcycle, and e-scooter impacts.
- Incidents involving pedestrians or cyclists, parking lot collisions, and low-speed crashes.
- Truck accidents, including commercial and company vehicles.
- Troubles where the driver had no insurance, fled the scene, or made the situation worse.
- Tragic situations that led to wrongful death.
- Damage to property sustained during a collision.
- Accidents involving minors and other complex situations.
The range of conditions is broad, which is why insurance companies try to avoid losses and use diverse tactics to facilitate payout quantities – and that’s exactly what leads to underpaid insurance claims.
- Additionally, adjusters frequently apply the PIP system in ways that benefit the insurer, often relying on standardized, limited figures. But underpaid insurance claim attorneys from Kremenchuker Law Group can help you recover the full piece you’re entitled to in cases like these:
- Undervalued harm inspection under PIP rules, even when your actual medical outlays are much higher.
- Cases in which a physician fails to file an EMC, leading to a lower medical compensation amount.
- Ignoring prospective treatment, the rehab, follow-up care, or long-term impact the injury would have.
- Undervaluing car repair prices when the claims adjuster uses in-house calculations that ignore market rates and actual bills.
- Complicated cases involving cyclists or pedestrians, where the adjuster may ignore certain damages they claim aren’t directly linked to that situation.
- Reduced payment in commercial vehicle casualties, as company owners often involve counselors early on to limit liability and redirect fault toward another party.
- Incomplete accounting for lost wages, where insurers blatantly refuse to consider real income, overtime, prizes, bonuses, or self-employment gains.
- Causation disputes, where insurers claim that the injuries existed prior to, due to previous medical treatment, or age-related conditions.
- Adjusters often try to bypass paying for emotional distress whenever possible.
- Total loss payouts are summed at the lowest end, underestimating the actual market value of comparable vehicles.
- Errors or inaccuracies in the submitted paperwork.
- Use of comparative fault, where the injured party is considered somewhat responsible for the accident.
What can our insurance claim lawyers do for you? Considering how common these claims are in Florida, having a professional on your side can significantly improve your chances of victory. These experts quickly and efficiently gather the essential papers, information, and evidence, order expert evaluations – in short, they handle all the essential work for their client.
Our insurance claims lawyers in Florida at Kremenchuker Law Group are here to offer a consultation. Feel free to contact us or visit in person – we’re experienced in handling cases of different complexity and know which types of evidence can influence the outcome.