Settling Your Claim with an Insurer

Insurance carriers tend to be very different from each other in how they settle claims. Moreover, insurance adjusters also tend to have different approaches. An experienced Jacksonville Social Security disability attorney who knows how to deal with the various carriers and adjusters can be instrumental in settling your claim. Jacksonville Social Security disability attorney Differences Between Insurance Carriers There are certain carriers that use mass marketing and low premiums to attract customers. These carriers tend to be very conservative when it comes to paying claims. Then there are those carriers who do not advertise profusely. They generally are willing to settle on a reasonable basis without the necessity of having to file suit. These companies have much better reputations for resolving cases out of court. Differences Between Insurance Adjusters Adjusters who work for more reasonable companies are quite different from those who work for huge conservative carriers. Your Jacksonville Social Security disability attorney must recognize the difference and adjust his or her tactics accordingly. An Example An attorney who does not appreciate the difference may misinterpret the actions of the adjuster. For example, an inexperienced attorney may interpret an adjuster’s actions as “playing hardball” when this is not the case. Let’s say that after several months on a claim, your Jacksonville Social Security disability attorney sends the adjuster a demand package and waits for a response. Sixty or more days go by without a response. The attorney then calls the adjuster multiple times, but has no luck in making contact. Eventually, the attorney decides to file suit. He sends the adjuster a copy of the complaint. Almost immediately he receives a phone call from the adjuster. She wants to meet and discuss a settlement. At the end of the visit, the attorney receives a reasonable offer on the case, as well as resolves a few others that he had pending with the adjuster. Following that meeting, they have resolved almost every case that they have worked on together. The attorney knows that even though the adjuster sometimes doesn’t respond right away, she always provides a reasonable offer to resolve the claim. This is just one example of how an experienced attorney will get to know and learn how to work with an adjuster. Often, disputes can be resolved without the necessity of litigation. If you are need the services of a Jacksonville Social Security disability attorney, call John Fagan at 904-278-1000.

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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