Why Settling with the Insurance Company Might Not Be the Best Option

How your personal injury case proceeds depends largely on the insurer that covers the party who caused your injuries. Some insurers are easier to work with than others. A First Coast personal injury attorney will know which insurers will use which tactics and can help you prepare your case accordingly. Certain insurers are known to seldom settle small-to-medium-range personal injury cases for a reasonable amount. It is usually a waste of time to continue settlement negotiations with these companies without filing a lawsuit, as they will probably only respond to litigation. Litigation and verdicts are the only things these carriers will take seriously. If your case is a soft-tissue injury case and you don’t have substantial objective medical evidence for your injuries, or your medical bills include chiropractic treatment, expect the insurers to offer only a token amount for your pain and suffering. The claims adjuster will make sure to scrutinize everything in your file, and their settlement offer likely won’t be any higher than your medical bills and lost wages. It is usually a waste of time for your attorney to try to convince the insurance company to make a more reasonable settlement offer. Instead, your attorney may opt to go directly to a lawsuit after the initial investigation and preparation. To some extent this depends on the reputation of your attorney as well. Attorneys who are known to settle quickly and often will receive lower settlement offers than those known to be good litigators. If you have further questions about how to deal with your insurance company, 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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