Signs that the Insurance Company May Be Stalling

Sometimes, insurance companies will stall when negotiating your settlement. However, an experienced First Coast personal injury attorney will be able to recognize and diffuse these tactics.

 Letter of Reservation of Rights

One such sign is when the insurance company promptly sends you a Letter of Reservation of Rights after filing your claim. This letter is, on the surface, merely notice that the insurance policy of the party responsible for your injury may not cover certain types of losses, and as such the insurance company will reserve its rights to deny coverage at a later date. However, the insurance company should already know whether or not your injuries are covered by the policy. Most likely, this letter is simply there to give the adjuster another means to resist negotiation. (A good example is: “I can’t offer that much, I don’t even know if the claim is covered!”) An experienced personal injury lawyer will know this and will continue to pressure the adjuster to explicitly declare whether your accident was covered or not before seriously proceeding with negotiations.

 Cutting Contact

A more blatant way that the insurance adjuster may stall negotiations is to simply avoid you and your attorney. He simply fails to respond to letters, faxes, and phone calls. Your attorney will know the best way to deal with such stalling, which might include contacting someone else at the insurance company or threatening lawsuit. Whatever the case, experienced Florida personal injury attorney John Fagan will be able to recognize and respond to any stalling tactics the insurance company attempts. Call the law office of John Fagan today 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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