Leveraging, Economic Pressure, and Other Stonewalling Insurer Tactics

Some insurance companies try to drag out personal injury settlement claims for several months or years before finally offering a reasonable settlement. There are common stonewalling tactics that aFirstCoastpersonal injury attorney will be able to recognize and anticipate, since an insurer’s delay and failure to respond to a claim may result in a finding of bad faith on their part, resulting in liability. If your claim is a complex one that comes in multiple parts, some claims representatives may refuse to pay any parts of the claim until you agree to settle all parts. For example, if you have an auto damage claim as well as a bodily injury claim pending, the insurance representative may refuse to pay out your auto claim until you also agree to pay the bodily injury claim. This puts pressure on you to settle claims quicker for less than you would hope for in order to get your car repaired sooner. As another tactic, the claims representative may have the claimant use his or her own medical coverage, and then take credit for that coverage before allowing the claimant’s medicals to be paid by the insurance company. Also, some less scrupulous claims representatives may refuse to offer advance payment for expenses such as food, rent, or living expenses. This puts pressure on the claimant to agree to a settlement earlier and for less than they might otherwise get. If you have further questions about insurance company tactics, contact 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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