Insurance companies are in business to make a profit. They do not make money in paying out claims in motor vehicle accidents. If you are seriously injured or lose a loved one in an accident here in Florida that was caused by the negligence of another, do not accept a settlement offer without first making sure that it is fair -- in many cases, the amount offered will not be.
The insurance company for the driver believed to be responsible for the crash may attempt to get you to accept a settlement as soon as possible. Like many other Florida residents, the first few days or weeks after you were injured or lost a loved are often difficult both physically and emotionally. While you recover or grieve, you might not be considering the financial impact that a serious or fatal accident can have on your future, and the insurance company is more than likely counting on that.
Before talking to anyone at the insurance company -- and especially before accepting any settlement offer -- it would be a good idea to contact an attorney. After reviewing the circumstances, he or she will advise you on whether the settlement offer is a good one. More than likely, it will be less than you deserve.
You should be able to focus on your physical and/or emotional recovery and not have to wrangle with an insurance agent. Your attorney can take over any contact with the insurance company on your behalf. If a fair settlement cannot be negotiated, filing a personal injury or wrongful death claim might be appropriate. Establishing that the other party or parties were negligent and that their actions led to the injuries or deaths could result in an award of damages. Any restitution you receive could help defray the financial burdens that arise in the aftermath of motor vehicle accidents.