It’s easy to forget that car insurance, though mandated by Florida law, is controlled by private, for-profit enterprises. Your car insurance company is looking to maximize profit by minimizing risk. Car insurance companies operate solely for this purpose.
Most insurance companies perform a risk-benefit analysis when offering coverage and setting your premiums. However, after a car accident in Miami, your insurance adjuster will immediately try the following tactics to reduce the payout you’re entitled to.
- Excluding you from Coverage
Minimizing your payout to $0 is the ultimate goal of most car insurance companies. Every car insurance policy contains certain exclusions and exceptions to coverage. These may include the following:
- Accidents that occurred in Mexico or Canada.
- Alleged gaps in coverage. For example, your insurer may claim you weren’t covered on the date of accident because you failed to renew your policy.
- The driver of the vehicle wasn’t an “authorized” operator. If you didn’t explicitly give your son permission to take the car that day, and you didn’t want him to, your insurance company may deny him no-fault or liability coverage.
None of these excuses may be true, but if your insurance company can make you believe one of them, and you’re not represented by an injury attorney in Miami, then you may think twice about making a claim.
- Assigning you Liability
An insurance company may “assign” you a percentage of liability to minimize payout. For example, if you were rear-ended, the liable insurance company may claim you stopped short and reduce your payout offer by 30%. It’s rare that an insurance company won’t do this. The only “clear” liability cases often involve restrained passengers. Florida follows a “pure comparative fault” system, so your recovery will be reduced by your percentage of apportioned liability unless you fight their assertion that you were partially at fault.
- Offering a Lowball Settlement
Some car accident injuries don’t manifest until after the swelling goes down and you’re no longer in shock. Many tendon injuries aren’t caught on the initial emergency MRI due to swelling. After a car accident, it’s not uncommon to receive a phone call from an insurance adjuster offering you $500 for medical bills, medical supplies, and lost wages. It’s only after you sign for the money that you realize you released all potential claims. Your insurance company will always make you a lowball offer, especially if you’ve been out of work since the crash.
- Claiming your Injuries were “Preexisting”
It doesn’t matter if you were a healthy 25-year-old athlete when you were injured in a car accident; your insurance company will still claim your spinal injury was “age-related degeneration.” Insurance companies love to keep “expert” medical witnesses on payroll to claim your injuries weren’t sustained in the accident, are “healed,” or aren’t serious enough to meet Florida personal injury threshold laws.
Call our Experienced Miami Personal Injury Attorneys Today
There’s nothing we haven’t seen at Flagler Personal Injury Group. Luckily, we know the insurance companies tricks and can analyze the true value of your car accident case. Call our Miami car accident attorneys today at 305-424-8445 or contact us online for a free personal injury case review.
We handle a variety of cases, so call us now if you have any questions.
View more contact information here: Miami Car Accident Attorney.