What Happens at the Insurance Company When It Processes My Personal Injury Claim?

If you have been injured in an accident in Florida, trying to collect from the other party’s insurer can be an extremely frustrating process. Insurance companies are infamous for being slow and obtuse in their handling of personal injury claims. The specific procedures vary from company to company, but most insurance companies follow the same basic pattern when processing personal injury claims. Unless you have dealt previously with the other party’s insurance company, the claims process will begin with the carrier creating a file on you. This file is assigned to an adjuster who will immediately contact you. Your Florida personal injury lawyer will then negotiate with the insurance company on your behalf; at the same time, the insurance company will research your case, trying to determine if there is any evidence that the insured was not fully at fault for your injuries. The claims adjuster will perform this research using many of the same methods employed by your attorney, including going over police reports, talking to witnesses, and having photographs taken of the scene of the accident. The insurance carrier will also attempt to get a hold of your medical records. The adjuster will use these records to evaluate the extent of your injuries and determine whether or not the amount of money you are asking for to cover your medical bills is consistent with the injury you have. The adjuster will also evaluate other costs they may have to pay, such as lost wages. There are many pitfalls to dealing with the insurance company, and to get the settlement you deserve you need an experienced Florida personal injury lawyer on your side. For a free initial consultation with knowledgeable Florida personal injury lawyer John Fagan, simply fill out the form on this page.

About John Fagan

John is a Jacksonville native who grew up on the First Coast. He graduated from Bishop Kenny High School in 1975 and went to college at Florida State University where he completed a 4-year program in 3 years. John graduated from the Florida State University College of Business in 1978 and went straight into Florida State University College of Law. While in law school, John earned a position on the prestigious Law Review Board serving as its Business Editor. As a law student, John studied in the Oxford program. He also interned with the Florida Legislature working in the Florida House of Representatives Criminal Justice Committee. John was admitted to the Florida Bar in 1981. John began his legal career as a law school intern in the State Attorney's Office in Jacksonville in 1981. After his internship, legendary State Attorney Ed Austin hired John as a full-time Assistant State Attorney for the Fourth Judicial Circuit (Clay, Duval, and Nassau Counties). As a prosecutor, John tried jury and non-jury trial on charges ranging from DUI to Murder. In 1983, John moved from the State Attorney's Office to begin his career in private practice. He has practiced law for 30 years on the First Coast. For the last 20 years, John and his family have made Clay County their home. John limits his practice to personal injury and disability cases. While there are many fine attorneys in Clay County, John is one of only a few Clay County attorneys who limit their practice to personal injury and disability cases. John takes pride in helping clients resolve injury claims in ways that avoid the stress, uncertainty, and the expense of unnecessary litigation. Professional Activities John is the past President of the Clay County Bar Association and has served on the Board of the Clay County Bar Association from 2009-2013. He is an active member of the Florida Bar, and the Federal Bar of the Middle and Southern Districts of Florida. He is also a member of the American Association of Justice, the Florida Association of Justice, the National Organization of Social Security Claimants' Representatives, and the National Organization of Veterans' Advocates. Service to the Community John is involved in the Clay County Community serving as a member and Director of the Rotary Club of Orange Park, of the Clay County Bar Association, and the Putnam County Bar Association.
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