Low-Ball Auto Insurance Offers When You Didn’t Cause the Crash

by | Oct 7, 2020

Each and every day we get low offers from insurance companies that we have to discuss with our clients. These offers are often well below what our client owes for medical bills, lost wages, property damage and out of pocket expenses and they are on cases where the other driver caused the crash! When we discuss these low-ball offers with a client, generally the response we receive is, “Why are they offering so little, the other driver caused the crash?” The answer to this common question is simple, INSURANCE COMPANIES ARE IN THE BUSINESS OF KEEPING YOUR MONEY FOR THEIR PROFITS! Insurance companies are not your friend, they do not exist to help you in your time of need, they do not have your best interests in mind and they want to keep their money as long as they possibly can. This is true even when you were not at fault for the crash.

In Florida, just because another driver causes a crash does not mean the other driver’s insurance company is responsible for your injuries. Florida law also requires proof the crash caused your injuries being claimed and proof those injuries caused damages to you such as medical expenses, wage losses, pain and suffering, etc. In support of their low-ball offers, insurance companies use things like, the vehicle property damage is minimal therefore your injuries must be minimal; you didn’t go to the Emergency Room until the next day; you haven’t continued treating for your injuries; you have prior injuries or (my personal favorite) YOU ARE OLD! Speaking of the emergency room, a little known fact is if you don’t go to the emergency room shortly after the accident, the insurance company will say you did not suffer an “emergency medical condition”. The insurance company will then reduce your Personal Injury Protection benefits from the $10,000 you paid a premium for to $2,500 total for paying your medical bills! That’s why we strongly recommend you go to the emergency room or emergency walk-in clinic shortly after the accident.

So what can you do to turn the low-ball offer being made on your case to an offer that compensates you for what you have gone through? This question also has a simple answer, CALL US RIGHT AWAY AND LISTEN TO WHAT WE TELL YOU TO DO! Here are examples of things you can do: if you can safely do so, take pictures of the cars at the scene of the crash and any skid marks or debris on the roadway; take photos of any bruising, cuts, scars you suffer from your injuries; keep a journal of how the crash happened, when your injuries began and prior injuries you have had; give doctors your complete medical history because this is where insurance companies typically use prior injuries or treatments against you; continue treating for your injuries as long as the doctors tell you to do so.

Remember, we are here to help you get the results you deserve for your injuries so call us anytime at our toll free number: 1-800-332-1992 or email us at info@Qlaw.com.


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