Unless the person who injured you was uninsured, you will inevitably have to deal with an insurance claims adjuster from the other party’s carrier. These insurance representatives, who are also called claims technicians, are tasked with evaluating your case and deciding how much the insurance company can pay out for such a case. Your Orange Park personal injury lawyer will be dealing with the adjuster assigned to your file for the majority of your case unless it proceeds to trial.
There are no standard practices for insurance adjusters. Adjusters from large national carriers often do things very differently than do ones from smaller regional insurance. Adjusters from large carriers are often more conservative. Larger insurance carriers have more resources, and therefore, adjusters from larger carriers are less afraid of going to court because they can afford better lawyers and can more easily absorb losses.
National carriers will also often be highly bureaucratic, with a strict chain of command. The adjuster you meet from a national carrier will have to justify all of his decisions to his boss and his boss’ boss. If he seems hesitant about the settlement you and your Orange Park personal injury lawyer are asking for, he is likely worried that someone higher up on the food chain would not approve.
The adjuster with whom your Orange Park personal injury lawyer negotiates probably answers directly to a claims manager, who closely scrutinizes all settlements his adjusters pay out and all litigation his adjusters incur. Through their adjusters, these managers are often responsible for an extremely large amount of the insurance company’s money. As such, only employees who are extremely loyal to the insurance company’s interests will get the job. They will not be very sympathetic to your case.
In large insurance companies, these regional claims managers may be in charge of teams of upwards of 20 adjusters and may in turn report to a general claims manager who supervises all claims managers nationwide. In smaller companies, claims managers may report directly to the company’s vice president.
Dealing with the nation’s largest carriers can be a harrowing task, but you do not have to do it alone. If you are trying to recover damages from a personal injury, call Orange Park personal injury lawyer John Fagan at (904) 215-5555 for a free consultation today.
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.
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.
The information provided on this web site is provided for general informational purposes only and should not be interpreted as legal advice. Every case is different and requires individual attention before such advice can be given. Neither the transmission nor receipt of general advice to or from our website will constitute an attorney-client relationship.