6 Tactics Insurance Companies Use to Minimize Payouts in Florida
After a traffic accident, most people assume that filing an insurance claim will provide the financial support they need to cover medical bills, lost wages, and other expenses. Yet for some insurance representatives, their primary goal is to protect profits, which means minimizing payouts whenever possible.
Connect with a legal expert to protect yourself from undue loss. A Port St. Lucie Personal Injury Lawyer is familiar with both the obvious and lesser-known tactics adjusters use.
#1 Quick Lowball Settlement Offers
One of the most common tactics is the quick, low settlement. Shortly after a collision, an insurance adjuster may reach out with an offer that sounds appealing, fast cash at a stressful time. But once you accept, you usually waive the right to pursue additional compensation, even if future medical bills arise.
#2 Downplaying Injuries
Adjusters may suggest that your injuries are not as severe as you claim. They might point to gaps in medical treatment, argue that you didn’t need certain procedures, or emphasize that you were able to return to work quickly. In some cases, they will attempt to connect your injuries to pre-existing conditions rather than the accident itself.
#3 Using Your Words Against You
Another well-known tactic is recording your statement and using it against you later. Even casual remarks like “I’m feeling better” or “It’s not that bad” may be twisted into evidence that your injuries were minor. Insurance representatives are skilled at asking questions in a way that elicits responses they can later use.
#4 Questioning Liability
Some insurers will argue that you were partially responsible for the accident. Florida follows a modified comparative negligence rule, meaning your compensation can be reduced if you are found partially at fault. By exaggerating your percentage of responsibility, they can cut down the amount they owe you.
#5 Delaying the Claim Process
A less obvious tactic is dragging out the claim. Insurance companies know that medical bills and lost wages create financial pressure. By stalling, they increase the likelihood that you’ll accept a lower settlement out of desperation.
#6 Misrepresenting Policy Details
Sometimes adjusters suggest that certain damages are not covered under your policy when they actually are. They may downplay the coverage available or fail to explain optional benefits. Without a careful review of your policy, you may not realize you’re entitled to more.
While some settlement offers may technically be acceptable, they may also fail to reflect the true financial and emotional impact of a collision. The cost of ongoing treatment, future lost earning capacity, or pain and suffering is rarely factored into the initial offer.
That’s why working with an experienced Port St. Lucie Personal Injury Lawyer is essential. An attorney can evaluate the full extent of your losses, negotiate effectively, and ensure the insurance company is held accountable.
Who is working to be sure you secure the compensation you truly deserve? Following an injury in Port St. Lucie, Fort Pierce, Stuart, or Vero Beach, speak with the attorneys at Leifer & Ramirez. Call 561-660-9421 to schedule a confidential consultation.
