Common Myths Insurance Companies Want You to Believe About Injury Claims

Unfortunately, insurers are not in the business of paying out large settlements, they’re in the business of protecting their bottom line. One of the most effective ways they do this is by spreading myths about injury claims that cause people to settle for less than they deserve.

Injured individuals often turn to insurance companies for help covering medical expenses, lost wages, and other damages. If you’ve been hurt in Florida, it’s important to separate fact from fiction. A Port St. Lucie Personal Injury Lawyer can help.

Myth 1: If You Were Partly at Fault, You Can’t Recover Anything

Insurance adjusters may suggest that if you share any responsibility for the accident, you don’t have a valid claim. In Florida, that’s misleading. The state follows a modified comparative negligence rule, which means you can still recover compensation as long as you are not more than 50% at fault. Your award will simply be reduced by your percentage of fault.

Myth 2: A Quick Settlement Is in Your Best Interest

Adjusters often push for fast settlements, offering what seems like easy money right after the accident. The truth? These offers are almost always far below the true value of your claim. Injuries may take weeks or months to fully reveal their impact, and medical bills can continue to grow. Once you accept a settlement, you cannot go back and ask for more.

Myth 3: You Don’t Need a Lawyer

This is one of the most dangerous myths. While adjusters may appear friendly, their loyalty is to the insurance company, not you. Without an attorney, you’re at a disadvantage when it comes to negotiating and understanding your legal rights. A skilled injury lawyer knows Florida’s personal injury laws, understands insurance company tactics, and can fight for the full and fair compensation you deserve.

Myth 4: Minor Injuries Aren’t Worth Filing a Claim

Many people believe that if they only have minor injuries, and that it isn’t worth pursuing a claim. But minor injuries can worsen over time, leading to significant medical costs and lost wages. Even a seemingly small injury can have long-term consequences. It’s always wise to seek medical attention and legal advice before assuming your claim isn’t worth pursuing.

Myth 5: Your Case Will Take Years and Cost Too Much

While some cases do take time, many personal injury claims are resolved through settlements rather than lengthy trials. Additionally, most injury lawyers work on a contingency fee basis. This means you don’t pay unless your case is successful. This ensures you can pursue justice without upfront costs.

When you are ready to access a full and fair settlement, consult with a knowledgeable Port St. Lucie Personal Injury Lawyer who can cut through the myths and advocate for your best interests.

Was it discouraging for you when an adjuster began pressuring you to settle quickly? Don’t let misinformation prevent you from pursuing the compensation you need for your recovery. Following an injury in Port St. Lucie, Fort Pierce, Stuart, or Vero Beach, connect with the attorneys at Leifer & Ramirez. Call 561-660-9421.