After an accident that was not your fault, the insurance company for the at-fault party will likely contact you quickly. They may seem friendly and offer a check to settle your claim. It is very important to understand that this first offer is rarely fair. The insurance adjuster’s job is to close your claim for the lowest amount possible. Settling without understanding the true value of your case can cost you thousands of dollars and leave you without the money you need for future recovery. Here’s why speaking with a **personal injury lawyer** first is the most critical step you can take.
Common Insurance Tactics Designed to Minimize Your Payout
Insurance companies are businesses focused on their profits. They use specific strategies to reduce what they pay on claims. Being aware of these tactics can protect you.
- The Fast, Low Offer: An adjuster may call you soon after the accident, often while you are still in pain and facing uncertainty. They may offer a quick check to “make things right.” This offer is designed to settle your claim before you know the full cost of your injuries or finish medical treatment. Once you cash that check, you give up your right to seek more money forever, even if you need surgery later.
- Requesting a Recorded Statement: The adjuster may kindly ask for your official statement “to process the claim.” Questions can be worded to get answers they can use later to argue you were at fault or that your injuries are not serious. You are not legally required to give this statement, and it often harms your case.
- Delaying the Process: They may drag out the process, hoping your medical bills and financial pressure will force you to accept a low-ball settlement out of desperation.
- Twisting Your Words on Social Media: Adjusters often review public social media profiles for any posts, photos, or comments they can use to argue your injuries are not as bad as you claim.
How a Personal Injury Lawyer Protects Your Rights
A dedicated personal injury attorney consultation changes the entire dynamic of your claim. We work for you, not the insurance company.
- We Handle All Communication: Your lawyer becomes your shield. All calls and letters from the insurance company go directly to us. This stops you from accidentally saying something that could hurt your case.
- We Calculate the True Value of Your Claim: We understand what your claim is truly worth. This includes current medical bills, estimated future medical care, lost wages, pain and suffering, and how the injury has impacted your daily life. We fight for full compensation, not just the quick offer.
- We Build a Strong Case for Maximum Compensation: We gather all necessary evidence, from police reports and medical records to expert witness opinions. We use this to build a powerful case that shows the insurance company you are serious and prepared to go to court if they do not offer a fair settlement.
- We Know the Law and Negotiate from Strength: Insurance companies take claims much more seriously when they know an experienced lawyer is involved. We understand Florida’s laws and use our negotiation skills to push for a settlement that actually meets your needs.
The Simple Step That Protects Your Future
Talking to a lawyer does not mean you have to file a lawsuit. It means you are making an informed decision with expert guidance. Most insurance claim settlement in Florida discussions happen between your attorney and the insurance company, often without ever going to court. The goal is to get you the full and fair compensation you deserve so you can focus on healing.
Your financial recovery and physical health are too important to leave to an insurance adjuster whose loyalty is to their company’s shareholders.
Before you sign anything or cash any check from an insurance company, protect yourself. Contact Merricks Law Group for a free, no-obligation consultation with a personal injury attorney. We will listen to your story, explain your rights, and help you understand what your claim may truly be worth. Call us today
Disclaimer: The information in this blog is for general informational purposes only. Nothing here constitutes formal legal advice or establishes an attorney-client relationship. Each case is unique, and specific outcomes cannot be guaranteed. Please consult with a qualified Florida personal injury attorney for advice regarding your individual situation.