How Insurance Companies Evaluate Car Accident Claims in Florida
Insurance companies use specific criteria to evaluate car accident claims in Florida. Learn what they look for and how to strengthen your case.
Initial Claim Review
After you file a claim, the insurance company will review the police report, photos, witness statements, and your account of the accident. They will also assess the extent of your injuries and property damage.
Determining Fault
Insurers use evidence to determine who was at fault. Florida's comparative negligence law means your compensation may be reduced if you share responsibility for the accident.
Evaluating Damages
Insurance adjusters will review your medical records, repair estimates, and lost wage documentation. They may request additional information or an independent medical exam.
Negotiating a Settlement
Once the investigation is complete, the insurer may offer a settlement. It's important to review any offer with your attorney to ensure it covers all your losses.
Sources
Florida Office of Insurance Regulation – Auto Insurance. Insurance Information Institute – Settling Auto Claims.
