Auto Insurance adjusters are in the business of finding reasons to pay the injured as little money as possible. This is their job and I understand that. But once in a while, an insurance company employs tactics that are absolutely reprehensible. Today I encountered such a situation when a potential client called asking for a miami lakes car accident attorney.
I’ll call her Jessica. Jessica was a passenger in a car that was rear ended in a Miami Lakes car accident – so in no world could she be considered at fault. The client was a student and covered under her parents’ substandard auto insurance carrier. Her parents were calling the shots and asking questions (I always welcome questions from those concerned).
When I asked for Jessica’s proof of insurance, I was met with a common objection: why are we going through our insurance when Jess wasn’t at fault! To which, I explained the general no-fault law principles and that this was simply how the car accident laws works in Florida (i.e. essentially 80% the first $2,500.00 – $10,000.00 in medical bills has to be paid by one’s own auto insurance carrier – regardless of who is at fault). I was then told that they would call me back. What happened next was criminal.
Jessica’s parents spoke to their substandard insurance carrier. The insurance adjuster told them that if they brought a no-fault claim, that their rates would either go sky high – or they would be dropped altogether and that no other insurance company would ever insure them again. Florida Statutes 626.9541(1)(o)(3a) and (3b) specifically defines this tactic as an illegal and deceptive act.