Principles of Adjusters at Conservative Insurance Companies

If you have been involved in an accident and planning to pursue legal actions to seek compensation for your injuries, the first thing you or your First Coast injury attorney should do is determine if the insurer is conservative. This is important because insurance adjusters who work for conservative companies have different mentalities. Key Principles Some of the key principles that insurance adjusters at conservative insurance companies base their claim strategies upon include: The majority of personal injury claims are based on pre-existing injuries or exaggerated cases that were most likely not caused in this claim.
  1. It is fair for the adjuster to try to settle a claim for as little as possible because, just like a First Coast injury attorney who will owe a duty to his client, they owe a duty to the insurance company
  2. Most cases involve personal injury attorneys who exaggerate small to medium claims and as such these attorneys are not trustworthy.
  3. Insurance adjustors must pay close attention to every claim they process, especially to details such as medical bills, causation, and other factors such as:
    1. Whether there is a possibility to reduce liability
    2. Determine whether there are any defense to coverage of the insured, such as failure to pay premiums
    3. Any contributory negligence on the part of the claimant
    4. Pre-existing or prior injuries that are related to the injuries involved in the subject claim
    5. Loss of income and self-employment losses, especially if they seem inflated
    6. The social status of the claimant, especially if it will result in a lower settlement claim
    7. Any prior claims that will affect the claimant’s credibility for this subject claim
    8. The reputation and credibility of the claimant’s attorney
We Can Help Insurance adjusters, especially those working for large conservative companies, have one goal in mind, to settle your claim for as little as possible. Most of the time, they will approach your case with a preset notion that will be very hard to change. This is precisely why you need to have a First Coast injury attorney who is aggressive and will fight hard to win your claim. To schedule a complimentary consultation with First Coast injury attorney John Fagan, please call (904) 215-5555.

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.
This entry was posted in Car Accidents, Personal Injury. Bookmark the permalink.