Miami Accident Lawyer Blog
In theory, the process of filing an insurance claim after a car accident seems as straightforward as filling out the proper paperwork. In practice, you could encounter significant challenges due to factors that insurance companies do not want you to know. It is wise to consult with a Miami car accident attorney right away so that you are aware of the factors insurers hope you miss.
Miami Insurance Companies Work Against Auto Crash Victims
After a car accident, most people assume the insurance company is on their side. However, insurers are for-profit businesses, and their goal is to pay out as little as possible on every claim. Adjusters may seem friendly and helpful, but they are trained to look for reasons to deny or reduce your settlement. Every question they ask is designed to protect their bottom line, not you. By understanding this conflict of interest, you take the first step toward protecting your rights.
What to Never Say to an Insurance Adjuster After a Miami Car Accident
One of the biggest mistakes victims make is giving a recorded statement to an insurer without legal guidance. Adjusters often call within hours of a crash, before you fully understand your injuries. What you say can directly negatively impact your compensation. Be aware of the statements that can be used against you later, such as:
- Saying you feel fine
- Admitting fault
- Speculating about how the accident happened
Politely decline to give a recorded statement until you speak with an attorney.
Insurers Leverage Low Settlement Offers to Minimize Payouts
Insurance companies routinely send fast, lowball settlement offers to Miami accident victims. These offers arrive while you are still in pain, overwhelmed, and unsure of your future medical costs. Accepting early means signing away your right to seek more compensation later, even if your injuries turn out to be more serious than first thought.
Insurers count on victims not knowing the full value of their claim. Before signing anything, have an experienced attorney review your case to compare the offer to your actual damages.
Florida’s Comparative Fault Laws Benefit Insurers
Under Florida’s comparative fault statute, your compensation can be reduced by your percentage of fault in the accident. If you are found more than 50 percent responsible, you cannot recover any damages. Insurers know this law well and will actively work to shift blame onto you. Even a small shift in fault percentage can cost you thousands of dollars.
Discuss Your Rights with a Miami Car Accident Lawyer
Comparative fault and other legal concepts could put your claim at risk if you do not fight back against the insurance company. When insurers work to shift blame onto you, having skilled legal representation is not just helpful; it is critical.
The attorneys at Gerson & Schwartz, PA understand how Florida’s fault laws can be used against accident victims, and we are ready to support you. Please call (305) 371-6000 to schedule your free consultation today. Our offices are conveniently located in Miami, Fort Lauderdale, and West Palm Beach, FL.