Can You Trust the Insurance Adjuster After a Car Crash in Florida?
If you were injured in a car crash in Florida, one of your first thoughts may be to contact your insurance company to seek compensation. Your insurance may then seek damages from the insurance company that insures the negligent driver that struck you. However, the insurance claim adjuster from the opposing company is not likely to be on your side. If you were injured in a car crash in Florida, you should speak with a devoted Miami car accident lawyer today. Car accident lawyer Prosper Shaked has worked on a plethora of injury cases, and he can help you manage negotiations with an insurance company. The Law Offices of Prosper Shaked is here to discuss whether a victim of a car crash in Florida can trust an insurance claim adjuster.
Why You Should Not Trust an Insurance Adjuster After a Car Crash in Florida
When a car crash occurs, a victim will have to determine their best option to recover compensation for damage to their vehicle and any injuries they may have sustained. If the victim decides to pursue an insurance claim, they would first have to report the accident to their own insurance company because Florida is a no-fault state for auto insurance policies. This means that no matter who is liable for the accident, each driver must turn to their insurance carrier for compensation.
One of the benefits of Florida’s no-fault insurance law is that it makes it easier for a victim to receive compensation to treat their injuries because liability does not have to be determined first. However, a serious issue may arise if the injuries suffered by the victim are too extensive to be compensated by insurance. Under these circumstances, the victim can pursue a liability claim against the negligent driver’s insurance company if the victim can show that he or she sustained a serious, permanent, or disfiguring injury.
It is important to note that while your insurance company may be on your side when it comes to compensation for an accident, the opposing insurance company may use tactics to decrease the value of your case.
The insurance claim adjuster from the other insurance company will actively work to diminish your injuries and other losses. There are a few ways that an insurance claim adjuster may try to negatively affect your case. For example, the insurance adjuster may try to confuse you about the details of your case in order to get you to admit some level of fault. This is often accomplished by asking a series of similar questions to see if your responses may change from your initial report.
An insurance adjuster may also try to downplay the severity of your injuries or property damage that you sustained. For instance, if you sustained a serious head injury that requires extensive medical care, the insurance adjuster may attempt to offer you an amount that is insufficient to cover your expenses.
It is always important to remember that an insurance adjuster’s goal is to minimize liability for their employer. As a result, an insurance adjuster may take all possible steps to keep costs low. If you feel that an insurance adjuster is trying to harm your car accident settlement, you should consult with an experienced Miami personal injury lawyer as soon as possible.
Why You Should Pursue a Car Crash Lawsuit in Florida Instead of an Insurance Claim
Victims of car crashes should give some thought to filing a personal injury lawsuit instead of seeking an insurance settlement. As mentioned, many insurance adjusters actively work to avoid paying a victim the compensation they deserve for their car crash. As a result, a personal injury lawsuit may be a better option for a victim.
One of the primary reasons to pursue a car crash lawsuit is that you can determine how much you wish to seek for compensatory damages. Compensatory damages are used to reimburse a plaintiff for losses and injuries. This form of damages is split into two types: economic losses and noneconomic losses. Economic losses are calculated based on financial losses. For example, if a car crash injured you so severely that you were forced to miss work, this would fall under economic losses.
Noneconomic losses are based on a number of subjective issues. For example, if a victim has difficulty performing tasks they used to enjoy due to an injury, this can be factored into the damages you request.
It is important to note that a victim cannot simultaneously seek a personal injury lawsuit and an insurance settlement. Before making a decision concerning whether to settle, you should speak with an experienced attorney that can help you weigh your options.
Speak with Our Committed Miami, Florida Car Crash Injury Attorneys to Manage Your Insurance Claim
If you or a family member was injured in a car accident in Florida or if the at-fault driver does not want to go through insurance, contact an experienced car accident attorney immediately. The Law Offices of Prosper Shaked believes that victims of car accidents should be thoroughly compensated for their injuries. Our firm has often seen how a severe car crash can substantially change a person’s life, and we are here to help you get your life back on track. To schedule a free legal consultation to talk about your potential case, contact the Law Offices of Prosper Shaked at (305) 694-2676. Don’t hesitate to contact the firm online as well.