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