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So you were involved in an in Miami or Broward County and it wasn't your fault. Someone else ran the stop sign ... Someone else took the red light .... someone else rear ended you ... someone else did an improper lane change. The first thing that you do after the accident is call your insurance company and speak with an adjuster. I said it, an adjuster from your insurance company. From your first conversation, it feels like you are speaking to someone from another planet. It feels like you are speaking to an adjuster from the at-fault driver's insurance company. They are drilling you with questions like you are at fault, like you are the enemy. YOU DEFINITELY FEEL LIKE - YOU ARE IN THE TWILIGHT ZONE.
Your insurance company's insurance adjuster will promptly proceed to ask you questions that make you commit to no injuries, the accident was your fault, that somehow you lied on your insurance application in order to deny your coverage and much more. Always remember, even your insurance has to report to a higher power, their stockholders. Accordingly, paying out claims is not at the top of their list.
Never Forget when dealing with your insurance company or the at fault driver's insurance company - The Insurance company has to act in good faith when trying to resolve your claim. That means they have to make a good faith investigation. Once they know who was at fault for the accident, had enough records to evaluate the injuries, etc. they cannot delay making an offer on the claim. they have to try and resolve it with a reasonable offer.
TIP: Don't speak to an insurance adjuster directly. Speak with a local personal injury attorney like Olga Porven, P.A. before speaking to an adjuster. If you retain the attorney, even better. Your attorney will ensure that they accompany you to any statement. Your attorney will also handle any phone calls and forms that need to be completed. this will ensure that the insurance company does not "trick" you into agreeing to an unreasonable settlement.
Insurance Companies Will Try to Resolve Your Case for Pennies on the Dollar - An insurance adjuster tries to resolve your claim before you realize the extent of your injuries. Many times, immediately after an accident, you do not feel the pain/injury to your body because you are in shock. After you go home, rest for a while, the neck pain, back pain, etc kicks in. After you start to feel the pain, then you wait to see if it gets better. You take over the counter pain killers, trying to handle your injuries by yourself. This is when you are most vulnerable. Adjusters will try to settle your case before your realize the extent of your injuries, before a physician confirms how injured you really are. They do this because once you settle, it is forever. You can't later say that you do not want the money, or that your injuries are more severe and want more money. Once you sign a release, you sign a contract stating that you will not sure for anything additional. The nest practice is to be checked out by a physician who will determine your injuries, course of treatment and your maximum medical improvement. Only until your treating physician has stated that you have finished treatment can one really determine the extent of your injuries. Until then, you can not determine what would be a fair and reasonable settlement for your injuries. Don't let an insurance adjuster tell you what the value of your injuries is without you seeking out the proper medical care and treatment.
If your injury is serious and you are not represented, insurance adjusters will try to string you along until you stop treating with a doctor. Many times our lives, work, child rearing, etc. will get in the way of treating your car accident injuries. The adjusters count on that. That is how they will minimize your injuries and make it seem like you are not really hurt.
Unlike insurance adjusters, your attorney will always advocate for you - they are on your side. Olga Porven, Esq., an attorney with Olga Porven, P.A., is a former insurance defense attorney. She is well aware of what the insurance companies are capable of and has the experience in dealing with insurance companies to help you obtain potential compensation in your case. If you or a loved one are victim(s) of a motor vehicle accident, it is important that you seek legal counsel as soon as possible. A personal injury attorney will be able to determine what insurance coverage is available to you. Olga Porven, P.A. has experience representing injured victims in personal injury matters. Olga Porven, Miami Dade and Broward accident lawyer, may be able to help you. Contact us for a free consultation.