Question

How Do I Know If My Insurance Offer Is Fair After An Injury In Florida?

Sponsored Answer
Jason M. Melton - Personal Injury - General - Super Lawyers

Answered by: Jason M. Melton

Located in Spring Hill, FLWhittel & Melton, LLC

Phone: 352-666-6666
Fax: 352-556-4839

View Profile
Answer

Unfortunately, the truth is that Floridians who suffer injuries likely won’t know whether their insurance offers are fair. They often need help to see through all the tricks that insurance companies and adjustors use to reduce their payments.

Insurance companies and adjustors in Florida have a long history of taking advantage of injury victims. They may come to your door and provide you a number. They can be very aggressive about getting their money offers in front of you, and this is because those offers often look very good to the untrained eye. But those insurance agents often misrepresent – or tell outright lies – about what those cases are worth.

You May Deserve Benefits The Insurance Offer Doesn’t Address

If you try to evaluate an insurance offer on your own, without the help of an attorney, you need to evaluate how well it addresses all the possible benefits. Does the offer address your: 

  • Medical treatment
  • Future medical expenses
  • Health insurance complications
  • Past or future inability to work
  • Inability to train for better employment
  • Loss of enjoyment of your vehicle, hobbies, business opportunities
  • Lost time with your spouse or children
  • Pain and suffering

Insurance companies often shrink or overlook these benefits, especially pain and suffering. To get a fair settlement, you need to know what these are worth. Personal injury lawyers have years and years of experience with pain and suffering. They understand the same injury can affect people differently. For example, a wrist injury means one thing for a schoolteacher and something entirely different for a concert pianist. An insurance adjustor may assign one value based on the medical expenses, but an experienced personal injury attorney can properly lattice your individual context over the base-level facts.

The Insurance Company Isn’t On Your Side

Insurance companies want to shrink your payment. The more they pay, the less they make. That’s why many insurance adjustors routinely misrepresent the law and in some instances routinely lie about Florida law to people who have been injured in car accidents. Remember the insurance company agent doesn’t represent you, they represent the insurance company.

As an example, we commonly speak to clients who were lied to by insurance agents with regard to what a victim is entitled to for damages to their car. We will hear something like, “The insurance company told me that I don’t get any money after the repairs to the car.” That’s a lie, and the insurance industry knows better. In Florida, you’re entitled to the cost of the repair and the diminished value to your vehicle. In other words, the difference in value now that your car is a repaired vehicle as opposed to a used vehicle with no repairs. That doesn’t mean a full replacement, but it means looking at how the car’s market value changes after the accident.

This is just one way in which insurance companies work against victims, and it’s why a 2004 study from the Insurance Research Council found that people who settled without legal representation received 3.5 times less money than those who got representation. That’s just the average. Some cases may be worth more than 100 times the insurance offer.

It’s hard to understand the value of your claim if you’re not working with injury claims every day. The insurance companies understand this, and they’re betting that you don’t. You can try to stand against them on your own, but you’re likely to get far better results with experienced help.

Disclaimer: The answer is intended to be for informational purposes only. It should not be relied on as legal advice, nor construed as a form of attorney-client relationship.

Other Answers By Jason M. Melton

Photo of Jason M. Melton

How Do I know If My Florida Criminal Defense Attorney Is Good?

 There are many good criminal defense attorneys, but there are four key factors in determining which attorney …

Sponsored answer by Jason M. Melton

Other Answers About Personal Injury - Plaintiff

Photo of Collen A. Clark

What should I do after suffering an oil or gas injury in Texas?

What should I do after suffering an injury at the oil or gas workplace?After suffering an injury, an oil or gas …

Sponsored answer by Collen A. Clark

Photo of Joel L. DiLorenzo

Who Is An Experienced Car Wreck Attorney In Alabama?

Years ago, slogans like “You’re in Good Hands” and “Like a Good Neighbor” really …

Sponsored answer by Joel L. DiLorenzo

Photo of Charles W. Whetstone, Jr.

Can I sue the road contractor in South Carolina for my accident?

The short answer is yes, in some cases.If an accident was caused in whole or in part by the condition of a …

Sponsored answer by Charles W. Whetstone, Jr.

Call Me
352-666-6666

To: Jason M. Melton

Super Lawyers: Potential Client Inquiry

* Required fields

Disclaimer:

The information contained in this web site is intended to convey general information. It should not be construed as legal advice or opinion. It is not an offer to represent you, nor is it intended to create an attorney-client relationship. The use of the internet or this contact form for communication is not necessarily a secure environment. Contacting a lawyer or law firm email through this service will not create an attorney-client relationship, and information will not necessarily be treated as privileged or confidential.

Page Generated: 0.85904288291931 sec