4 Red Flags When Speaking to an Insurance Adjuster After a Florida Car Accident

If you have been injured in a car accident due to someone else’s negligence in Florida, state law requires you to turn to your insurance for financial compensation. While you may assume adjusters are on your side, they often try to undermine your claim to get you to settle for a low settlement. Speaking to your insurance company alone can be intimidating, but partnering with an experienced car accident lawyer can make the process much less stressful.

At The Law Offices of Scott Sobol, we understand insurance adjusters’ tactics to reduce your compensation. This knowledge and our 20 years of experience give us the skills to advocate for you every step of the way. We will handle every aspect of the claims process and communicate your legal options clearly and concisely so that you have a complete understanding of your case. With our unmatched services and innovative solutions, you can focus on recovery while we negotiate with difficult insurance adjusters.

4 Red Flags When Speaking to Insurance Adjusters

According to F.S. 624.155., insurance companies must act in good faith. Even if your insurance company doesn’t unjustly deny your claim or misrepresent their policies, they may present the following red flags:

Recording Your Discussions

If you speak to insurance adjusters without a lawyer and they tell you they are recording your conversation, they could use anything you say to minimize your claim and twist your words against you. In these situations where insurance companies say they plan on recording your discussion, speak with us first so that we can answer their questions on your behalf and present your claim accurately.

Asking for More Information

While insurance companies need the right information to evaluate your claim, they may continually ask for more to stall the process. Thanks to our years of experience, we can help you determine when an adjuster genuinely needs more information and when they are simply doing this as a way to needlessly extend your payout.

Offering Low Settlements

Insurance companies often assume you don’t know your rights as a victim of someone’s negligence, so they offer you less than your claim is worth, relying on the fact that you want to move on quickly. Our skilled attorneys can accurately calculate your claim’s worth, negotiate with adjusters, and keep track of offers and counteroffers to protect your rights and achieve a successful outcome.

Acting Overly Friendly

Insurance adjusters may display compassion for your situation and have friendly conversations with you, but you should always be wary of underlying ulterior motives. They could be trying to get you to let your guard down so you slip up and say something reduces your claim’s value. Florida law requires drivers to carry personal injury protection (PIP) coverage of at least $10,000. You may also have underinsured or uninsured coverage, all of which your insurance may have to pay you after a car accident. 

Even if you are a loyal, longtime policyholder, they may try to claim your injuries are not serious, were caused by a pre-existing condition, or use a myriad of other excuses to reduce your compensation. It’s crucial for an experienced personal injury lawyer to speak with insurance companies on your behalf. We understand when adjusters are authentically empathetic and when they use it as a tactic to undermine your claim.

Consult a Seasoned Florida Car Accident Lawyer at The Law Offices of Scott Sobol

The aftermath of a Florida car accident can be overwhelming. You deserve to focus on recovery instead of dealing with insurance adjusters and the claims process. Fortunately, our dedicated lawyers at The Law Offices of Scott Sobol are here to take the weight off your shoulders and build a solid claim to prevent insurance companies from lowballing you.

With decades of experience working in the industry, we understand red flags to spot in insurance adjusters when speaking to them about your claim. We have successfully represented thousands of victims, so you can trust us to talk to your insurance company and fiercely advocate for the compensation you deserve. To schedule a complimentary case consultation, fill out our contact form or call (954) 440-2000.