Insurance Tactics in Florida Motor Vehicle Accident Claims and How To Avoid Costly Mistakes
Following a motor vehicle accident, many assume that the insurance company is there to help them. However, the truth is that insurance companies are businesses focused on maximizing profits by limiting payouts. Insurers use different tactics to reduce the compensation injured victims receive or to avoid paying altogether. If you are unprepared, these tactics can have serious financial consequences. Understanding how insurance companies work and being aware of the mistakes to avoid can protect your rights and your recovery.
Understanding Florida’s Motor Vehicle Insurance System
Motor vehicle accident victims in Florida face unique challenges. Since Florida is a no-fault state, your own Personal Injury Protection (PIP) coverage generally covers the initial portion of your medical expenses and lost wages after an accident, regardless of fault. PIP typically covers:
- 80% of all necessary medical expenses
- 60% of lost wages
- Often up to a $10,000 limit
However, PIP rarely covers the entire costs of moderate to severe injuries. If your injuries meet Florida’s “serious injury” threshold, you may file a claim against the at-fault party. Often, insurance companies act quickly to limit exposure by challenging or minimizing both PIP and personal injury claims.
Common Insurance Tactics in Florida Accident Claims
Here are some of the most common tactics insurance companies employ and how to avoid costly mistakes:
- Pressuring You Into Accepting a Quick Settlement
A common tactic is to offer a quick settlement soon after the accident. Adjusters may make the offer seem generous or claim that it’s “the best you will receive.” Often, the first offer is way lower than what a claim is truly worth. These offers often come before you fully understand the extent of your injuries or future needs.
Tip: Don’t accept a settlement before your medical treatment is complete or before speaking with an attorney. Once you accept a settlement and sign a release, you typically give up your right to seek additional compensation, even if your condition worsens or more damages arise.
- Downplaying or Disputing Injuries
The insurance company may claim your injuries are minor, temporary, or related to a pre-existing condition. Adjusters may also use gaps in treatment or delayed care to argue that your injuries are not serious.
Tip: Don’t delay seeking medical care. Seeking prompt medical attention is crucial for building a strong claim. Additionally, keep detailed medical records.
- Shifting or Exaggerating Fault
Since Florida adheres to a comparative negligence system, your recovery may be diminished if you’re partially at fault for your accident. Often, insurance companies attempt to shift blame to reduce what they must pay, especially in motorcycle, pedestrian, and bicycle accident cases.
Tip: Avoid apologizing, admitting fault, or speculating about fault.
- Using Recorded Statement Against You
Adjusters may request a recorded statement and make it seem like a routine requirement. However, what sounds casual can later be edited, misinterpreted, or twisted and used against you.
Tip: Don’t agree to give a recorded statement until you’ve spoken with an attorney.
- Arguing Coverage Exclusions
Insurance companies may claim that certain injuries, treatments, or situations are not covered under the policy. They do this to deny payment, even when, in reality, coverage should apply.
Tip: Read your policy carefully and ask an attorney to clarify coverage before accepting any settlement.
Contact an Orlando Accident Attorney
If you’ve been in an accident, contact our experienced Orlando car accident lawyers at Orlando Accident Attorneys today to schedule a consultation and maximize your compensation.