After a Florida car accident, victims are stressed when they are dealing with injuries as well as the details and fallout. One of the major areas of angst is when someone has to deal with the insurance company. Getting the appropriate amount for the claim in a settlement agreement is not an easy task and can take several rounds of negotiations.
Many people do not realize that they do not need to simply take what the insurance offers. They trust the insurance adjuster when that person is not in their corner. Instead, the adjuster is trying to save their employer money and help their bottom line. The adjuster knows practically everything there is to know about the claim. Most people have little way of knowing if the adjuster is on the level.
However, with some research, claimants can understand whether the initial offer is a good one. Nearly always, it is not, and it should be rejected. Then, claimants should file their own written demand letter, laying out the exact details of their claim. Then, the insurance company will understand that the claimant is informed about what they are really owed. The counteroffer should be for at least 25% more than the true value of the claim, and probably more, in order to give the claimant some room to maneuver in further settlement negotiations.
In most cases, it is best to let a car accidents lawyer handle the negotiations with the insurance company. The attorney routinely deals with these companies and is familiar with the normal tricks of the trade used to depress the value of the claim. An attorney could help their client overcome the natural information disadvantage that one has in dealing with a business that is an expert in their own affairs and get smarter in the negotiation.