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 Insurance Claim Process

Although there are several types of personal injury cases, they all share some common stages throughout the claim process. The first step following any accident is to file claims with all appropriate insurance companies. After filing a claim with an insurance company, an insurance representative (claims adjuster) will typically contact all parties to the accident to gather more information about the accident, property damage and injuries to make a liability determination. If the adjuster accepts liability in a case, the claim will proceed to determination of damages.

The next state in any persona injury case is a demand. The demand letter is usually sent by an injured person (usually through a personal injury attorney) to the insurance company of the person responsible for the accident. The demand letter outlines all information necessary for the adjuster to assess the settlement value of the personal injury claim, such as liability, the claimant’s injuries, medical treatment and prognosis, out-of-pocket medical expenses, wage loss, etc. The letter also makes a dollar amount demand to resolve the claim.

After the demand has been made, the insurance adjuster may accept the demand, make a settlement offer, request additional information, or may deny the claim. Unless the adjuster denies the claim, the demand letter typically triggers a back-and-forth negotiation process between the injured party (usually through a personal injury attorney) and the adjuster. If the parties are unable to reach a settlement agreement following a series of negotiations, a lawsuit may need to be filed to resolve the dispute. See
Personal Injury Lawsuit

​If you would like to have your case evaluated by an experienced Florida personal injury attorney, call our office now for a free non-obligation consultation. You owe us nothing unless we win your case, and in most cases we are able to substantially reduce our personal injury contingency fees to save you hundreds or even thousands of dollars.