The #1 Cleveland Insurance Claim Lawyer

At Piscitelli Law Firm, most of the insurance claims we handle stem from car accidents and other serious motor vehicle collisions.

Whether you’re filing against your own insurer or dealing with another driver’s liability coverage, our team understands the obstacles injured victims face when trying to recover compensation under their insurance policy.

In addition to auto accident claims, our firm also represents individuals and families in other types of personal injury-related insurance disputes, including:

• Motorcycle accident insurance claims
• Truck accident insurance claims
• Uninsured and underinsured motorist claims (UM/UIM)
• Pedestrian and bicycle accident claims
• Wrongful death insurance claims
• Dog bite liability claims
• Slip and fall or premises liability claims
• Catastrophic injury claims involving long-term medical care

Insurance companies often delay or deny valid claims, even when policy language clearly supports the injured party’s right to compensation.

As an experienced attorney, Frank Piscitelli helps clients fight back and hold insurers accountable when they fail to honor legitimate claims.

Why Car Accident Insurance Claims Are Often Contested

Insurance companies rarely pay what they should without a fight, especially after a car accident involving serious injuries or property damage.

Even when liability seems clear, insurers may dispute the claim based on several factors, such as the nature of the injury, the amount of medical treatment needed, or the extent of other damages you suffered.

At the heart of these disputes is the insurer’s interest in saving cost, not protecting the injured party.

Adjusters often claim there’s not enough proof that the injury occurred at the accident scene, or they argue your injuries were pre-existing.

In some cases, they delay communication, undervalue your losses, or make lowball offers that don’t cover property damage, lost wages, or ongoing medical bills.

Accepting these offers too quickly can lead to costly mistakes and leave you with more money owed out-of-pocket.

Under state law, you are entitled to seek a fair settlement.

But that requires careful documentation, legal knowledge, and, in some cases, pressure through the court system.

A personal injury attorney from Piscitelli Law Firm can step in, protect your rights, and push back when insurers try to limit your recovery.

Ohio is a fault-based insurance state, meaning the at-fault driver and their insurer are responsible for covering damages caused in a crash.

Drivers in Ohio must maintain minimum liability insurance of at least:

• $25,000 per person
• $50,000 per accident
• $25,000 for property damage

Insurance isn’t optional.

Failure to maintain valid coverage may result in legal consequences including license suspension and personal liability exposure

Victims seeking compensation have both insurance claim and personal injury lawsuit options, with the majority of cases starting through an insurer but escalating to court if necessary.

Ohio law provides a two-year statute of limitations for filing personal injury lawsuits related to car accidents under Ohio Revised Code § 2305.10.

That timeline ensures claimants act promptly and preserves their right to legal recourse.

An experienced attorney helps clients understand provisions in the insurance policy, including exclusions and additional coverages like uninsured/underinsured motorist protection.

Your lawyer will gather critical evidence (such as medical records, police reports, witness statements, and communications with insurance adjusters) to prove liability and maximize your claim.

After a car accident or personal injury, taking the right steps early can protect your health and your legal options.

Many victims make costly mistakes in the first few days or weeks after an injury—especially when dealing with insurance companies.

One of the most important things to do is to seek medical treatment immediately, even if your injuries seem minor.

Injuries may worsen over time, and medical records provide essential documentation.

You should also be cautious about giving a recorded statement to an insurance adjuster, especially within the first few months after the incident.

A personal injury attorney can help you avoid missteps and build a stronger case for compensation.

Here’s the best course of action to take:

1. Seek medical treatment immediately and follow all care instructions.
2. Call the police and file an accident report if applicable.
3. Document the scene by taking photos, collecting witness contact info, and noting details.
4. Avoid giving a recorded statement to the insurance company without legal advice.
5. Consult a personal injury lawyer before accepting any settlement offer.
6. Track expenses related to medical care, lost income, and other out-of-pocket costs.
7. File your claim within Ohio’s legal deadlines, usually within two years.

Gather Evidence for Your Insurance Claim

In personal injury cases, strong evidence is essential for proving liability and damages.

During the discovery phase, both sides gather and exchange key information that can influence the outcome of your insurance claim.

Preserving and organizing this evidence early on can strengthen your position and improve your chances of a fair settlement.

Types of evidence to gather include:

• Police reports
• Medical records and bills
• Photos of injuries and the accident scene
• Witness statements
• Repair estimates or receipts for damaged property
• Insurance correspondence
• Documentation of lost wages or time off work

Possible Damages in a Claim

Insurance claims often involve more than just compensation for medical bills or repairs: injured individuals may also be eligible to recover a wide range of damages depending on the details of their case.

Courts and insurance companies evaluate the full scope of losses when determining a fair payout, which can lead to a higher settlement in serious cases.

In addition to financial costs, emotional distress and other non-economic harms are frequently considered during negotiations or litigation.

Possible damages in a claim may include:

• Medical expenses (past and future)
• Lost income and reduced earning capacity
• Property damage
• Pain and suffering
• Emotional distress
• Loss of enjoyment of life
• Punitive damages (in cases involving gross negligence or intentional harm)
• Other losses related to your injury or recovery process

The Piscitelli Law Firm has a proven track record of standing up to insurance companies and securing justice for injury victims in Cleveland and across Ohio.

Whether you’re dealing with a disputed car accident claim or another type of personal injury, our team will thoroughly investigate your case and fight for the fair compensation you’re owed.

We handle cases on a contingency fee basis.

Working on a contingency fee basis means you don’t pay any legal fees unless we win your case.

This approach allows you to focus on your recovery without worrying about upfront costs or financial risk.

If you’re dealing with denied benefits, stalling tactics, or a lowball offer, don’t face it alone.

Let our firm step in, build your case, and advocate for the outcome you deserve.

Contact The Piscitelli Law Firm today for a free consultation and find out how we can help you take the next step forward.