If you have suffered from a car accident in Florida, you are likely dealing with physical pain, emotional distress and financial burdens. While the insurance company should ideally support you during this challenging time, it is important to understand that they are businesses with the main aim of making a profit. This means they will sometimes use different strategies to limit the amount of compensation they must pay.
Awareness of these tactics can equip you with the knowledge to secure the compensation you deserve.
Downplay your injuries
Insurance companies often attempt to minimize your injuries to reduce the payout. They may argue that your injuries are not as severe as you claim or that they are not related to the accident. Always seek medical attention immediately after an accident to establish a clear record of your injuries.
Shift blame
Another way that Insurance companies try to limit your compensation is by trying to assign partial or total blame for the accident to you. Florida follows a comparative negligence rule, which means that your compensation decreases in proportion to your percentage of fault.
Delay the process
Some insurance companies may delay the process hoping that you will grow tired and accept a lower settlement. It is important to remain patient and steadfast in your pursuit of the compensation they owe you.
Deny the claim
In some cases, insurance companies may deny your claim, stating various reasons such as lack of evidence or claiming that the accident falls outside your policy’s coverage. Carefully review your policy to understand what it covers, and do not hesitate to appeal their decision.
Offer a quick settlement
An insurance company may offer you a quick settlement, banking on your immediate need for funds. While this can seem attractive, especially if you are facing medical bills and loss of income, these initial offers are typically much lower than what you might be able to receive if you hold out.
Navigating insurance claims after a car accident in Florida can be a complex and overwhelming process. However, knowing what to watch for can help you get the compensation you need to heal and move on after your car accident. In this pursuit, knowledge truly is power.
