Dealing with Conservative Insurance Companies

You may find dealing with an insurance company after an accident to be more frustrating than you had expected. Different insurance companies have different philosophies and approaches to handling personal injury cases, and you may not understand what you are dealing with. A First Coast personal injury attorney can help you understand how insurance companies work. When dealing with high-profile, large, national insurance carriers, keep in mind that they tend to have very conservative philosophies. The adjuster is likely to share that philosophy and be loyal to the company. If you have a lower- or mid-tier adjuster, they have very limited authority and report to a claims manager or supervisor, so you will really be dealing with the conservative mindset of his boss. Adjusters for such conservative carriers do not cut corners and have no problem spending time poring over your claim, researching prior medical treatment, reviewing your tax returns, and scrutinizing your wage history. Additionally, such adjusters are typically not sympathetic to documentation about pain, suffering, and loss of enjoyment of life. They prefer to deal with hard figures and objective data about what you have lost. Adjusters from small, local carriers might be conservative in negotiations for a different reason: they are such small companies that they have a much smaller premium pool to use in settlements. A $30,000 or $40,000 case may be large to them. If you have further questions about how to deal with your insurance company following an accident, contact experienced First Coast personal injury attorney John Fagan for a free initial consultation.

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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