What Should You NOT Say to an Insurance Adjuster in Florida?

If you have been injured in an accident due to someone else’s negligence and are thinking about filing a lawsuit for compensation, speaking to the other party’s insurance adjuster may not be the best choice.

If you have been hurt, you may not know the extent of your medical condition or if other medical issues related to your original injuries will crop up. Therefore, you do not know how much compensation you will need to recover and get on with your life. The other party’s insurance adjuster may hope that you unintentionally incriminate yourself or accept their first settlement offer.

Some insurance companies may even advise you to not hire an attorney because they want you to settle for a lower amount. Hiring an attorney if your injuries are serious, or if multiple parties are liable for your injuries, will ensure that the insurance company stops contacting you and contacts your attorney instead. Read on to learn more about what you should not say to an insurance adjuster in Florida.

The Insurance Adjuster Called and You’re Unsure of What to Do

If the other party’s insurance adjuster contacts you, there are ways to handle the conversation, starting with:

The Insurance Adjuster’s Role

An insurance adjuster is doing a good job for their employer when they spend as little of the company’s money as possible when settling claims. They are also encouraged to settle claims quickly and without the assistance of supervisors or lawyers. Insurance adjusters rarely have legal or medical training and are usually too busy to investigate your claim carefully. They know the insurance claim business, but they do not know your claim as well as you do. Most adjusters can come to an agreement with you on a settlement amount and send you the paperwork to finalize your acceptance of their offer.

What an Attorney Can Do for You

A personal injury attorney provides legal services for people who have been injured as a result of the negligence of another person or entity. It is in their best interests to get the best settlement for you in as little time as possible. At the beginning of the case, they will gather evidence, verify how the accident happened, and establish who was liable for your injuries. If the insurance company makes an offer, they will inform you.

If the offer is unacceptable, the attorney will enter pre-trial negotiations or arbitration to get you the compensation you deserve. If this is not successful, they will take your case to trial. Most personal injury lawsuits are settled in the pre-trial phase.

If you have been seriously injured due to someone else’s negligence, call the Chalik & Chalik Injury Lawyers at 855-529-0269 before the statute of limitations under Florida law passes. We know what you should not say to an insurance adjuster in Florida, and are looking forward to helping you get through this challenging period and on the road to recovery. We can even help you if the insurance company denies your rights protected under the Florida Homeowner Claims Bill of Rights.

Additional Frequently Asked Questions