Insurance Companies and Your Personal Injury Case

When you are involved in a personal injury case, whether it is a car accident or a slip and fall on another person’s property, your first step in recovering from your injuries starts with making a claim against the responsible person’s insurance company. You do not want to report the claim yourself, or give a recorded statement to the insurance company, without first speaking with an experienced personal injury attorney. If you retain an experienced personal injury attorney, that attorney will investigate whether the responsible party has liability insurance that covers the claim.
In some personal injury cases, the other party has no insurance at all, or perhaps the accident was caused by an unknown person, like a hit-and-run car accident. In these situations, the insurance that you – the injured person – may have might become primary and cover your medical bills, lost wages and pain and suffering. One such example is Uninsured/Underinsured motorist insurance. This is an important insurance that you purchase before you have an accident on your own policy that protects you in case you are injured by an uninsured or underinsured driver.
Once your medical treatment is concluded and the full extent of your injuries are known, your personal injury attorney negotiates with the insurance adjuster assigned to your case by the insurance company involved in an attempt to settle your claim. Many claims are resolved through this pre-suit negotiation process. However, if the insurance adjuster’s final offer to settle your case is inadequate, your attorney may advise you that it is in your best interest for the attorney to file a lawsuit on your behalf. This is when it is most important to have an experienced personal injury trial lawyer on your side.
Florida Personal Injury Attorney, Chelsie M. Lamie, is a former insurance adjuster, former insurance defense attorney and has been exclusively representing Florida plaintiffs in personal injury claims since 2008. If you would like to talk to Attorney Lamie about your case, call 727-501-3464 for a free consultation. You can also learn more by visiting

© 2019 Chelsie M. Lamie, P.A.



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