Florida’s “no-fault” car insurance statute requires you to file a claim with your personal automobile policy for the first $10,000 in medical bills, even if the other driver caused the accident. This means that you will need to report the accident to your insurance company. However, you should know that sometimes even your own insurance carrier will look for ways to delay paying on a legitimate claim or minimize the amount you receive.
That is why we recommend that you talk to a car accident lawyer in Florida before you speak with any insurance adjuster, whether they are from your insurance company or the other driver’s.
Why You Should Talk to a Car Accident Lawyer Right Away
You may not see the harm in calling your insurance company after an accident. After all, you pay premiums and expect that your insurance carrier will stand by you.
Unfortunately, this is often not the case. Many insurance companies try to save money by finding ways to avoid paying benefits to their own policyholders.
We strongly recommend that you call a car accident lawyer as soon as possible. If your insurance company finds out about the accident and calls you first, politely defer speaking with them until you talk to an attorney.
Insurance Adjusters Use Many Tactics to Avoid Paying Claims
Here is why we recommend that you do not talk to an insurance adjuster after a car accident in Florida before consulting a lawyer:
- You may still be affected by injuries or medication, and any recorded statement you make might be incomplete or have innocent inconsistencies.
- The adjuster may become aggressive or ask leading questions to get you frustrated and say something that could jeopardize your claim.
- Your insurance company may share your statement with the other driver’s insurance carrier, which could harm your chances of filing a claim if you have extensive medical bills and other expenses.
- The insurance adjuster might persuade you to sign a medical release form and use your medical history as proof of a preexisting condition and therefore deny you coverage.
We invite you to call the Law Offices of Anidjar & Levine before you give a statement or share your medical records. Our car accident lawyers in Florida will protect and preserve your rights.
If You Must Speak to an Insurance Adjuster Before Talking to a Lawyer, Say This
You may have to report your accident before you have a chance to call our legal team. If you cannot politely decline to speak with an insurance adjuster, give only the most basic information without adding any details. Do not sign any medical release forms or allow the insurance company to schedule a medical exam with their physician.
It is always best to let a car accident lawyer speak on your behalf. If you must report the accident before you talk to an attorney, we recommend that you say only:
- Your name.
- The names of the other people involved in the accident.
- The date, time, and location of the accident.
- The make and model of vehicles involved in the accident.
- The name of the other driver’s insurance company.
Remember, you have the right to decline giving them further information without first speaking to an attorney. We recommend that you tell the insurance adjuster that you will give them a written statement.
Please Refrain From Discussing Specifics With an Insurance Adjuster
The insurance adjuster may try to get you to talk about the specific circumstances of the accident, your injuries, or even ask you to submit to a medical exam. Sometimes an insurance company may seem as though they simply want to obtain an exact medical diagnosis for your claim, but they are often looking for reasons not to pay you the compensation you deserve.
A car accident lawyer represents you, not the insurance company. He or she is looking out for you. That is why you should discuss specific topics only with your attorney, including:
- What happened just before the accident.
- Your personal account of the collision.
- Your injuries and medical expenses.
The safest way to protect your legal rights is to let a car accident lawyer speak on your behalf. You should also have time to recuperate from your injuries without worrying about insurance adjusters and legal issues.
We Make Legal Representation Affordable
The car accident lawyers with the Law Offices of Anidjar & Levine work on a contingency fee basis. You do not owe attorney fees unless and until we successfully recover the compensation you may be entitled to receive.
For more information, please call 1-800-747-3733 to request a free consultation.