After an accident, dealing with insurance companies can be stressful and confusing. While they may seem helpful, their primary goal is to minimize payouts. Saying the wrong thing or signing the wrong document could cost you thousands of dollars. If you’re facing a personal injury claim in Florida, here’s what you should and shouldn’t do when dealing with insurance companies.
Dos When Dealing with Insurance Companies
Report the Accident Promptly
Most insurance policies require you to report an accident within a reasonable timeframe. Failing to do so could give them an excuse to deny your claim.
Stick to the Facts
When speaking to an adjuster, keep your statements brief and factual. Provide only basic details, such as the date, time, and location of the accident. Avoid giving opinions or unnecessary details that could be used against you.
Seek Medical Attention Immediately
Even if you feel fine, injuries like whiplash or internal damage may not show symptoms right away. Seeing a doctor not only protects your health but also creates a medical record linking your injuries to the accident. In Florida, you must seek treatment within 14 days to qualify for Personal Injury Protection (PIP) benefits.
Keep Detailed Records
Document everything related to your accident. Save medical bills, repair estimates, emails from insurance companies, and photos of the scene and your injuries. The more evidence you have, the harder it will be for them to deny or reduce your claim.
Don’ts When Dealing with Insurance Companies
Do Not Admit Fault or Apologize
Saying things like “I’m sorry” or “I didn’t see the other car” might seem polite, but insurers can twist your words to make it seem like you were responsible. Florida follows comparative negligence laws, meaning if you’re found partially at fault, your settlement could be reduced.
Do Not Give a Recorded Statement Without Legal Advice
Adjusters may ask you to give a recorded statement, claiming it’s “just a formality.” However, they are trained to ask questions that could harm your case. Politely decline and say you need to consult your attorney first.
Do Not Accept the First Settlement Offer
Insurance companies often offer low settlements quickly, hoping you’ll take the money before realizing the full extent of your injuries. Once you accept, you cannot request more compensation later, even if your medical bills increase.
Do Not Sign Anything Without Legal Review
Before signing any documents from the insurance company, have a lawyer review them. Some forms may include language that waives your right to seek further compensation.
Why You Need a Lawyer Before Talking to Insurance Companies
Insurance adjusters handle thousands of claims and know every trick to pay you less than you deserve. An experienced Tampa personal injury lawyer can protect your rights, negotiate a fair settlement, and take legal action if necessary.
The Black Law Company Can Help You Fight Back
At The Black Law Company, we know how to deal with aggressive insurance companies and fight for the compensation you deserve. Before speaking with an adjuster, let us handle the negotiations for you.
Call 813-321-7380 today for a free consultation. Let’s make sure you get the maximum compensation for your injuries.
This post was written by Okoye Morgan Jr., a lawyer with extensive knowledge as a car accident attorney East Tampa FL. Okoye is one of the founding partners of The Black Law Company, specializing in personal injury law, trust and estate law, civil litigation law, and criminal defense.
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