Dealing with Car Insurance Companies in Miami
Our Miami car accident lawyers can handle everything
After a car accident in Miami, one of the first calls you’ll get might be from an insurance adjuster. They’ll sound helpful. Maybe even concerned. But make no mistake about it: they’re not calling to help you.
Insurance companies are in the business of protecting their bottom line, not making sure you receive fair compensation. The Miami car accident lawyers at Romanow Law Group know every trick in the book, and we make sure you don’t fall for any of them. If you’re getting calls, lowball offers, or just a whole lot of confusion from the insurance company, contact an attorney who knows how to deal with insurance companies. You focus on getting better. We’ll handle everything else.
“He was reassuring from the beginning, and the entire process was much less stressful than I imagined it would be. Simply stated, he works hard for his clients. I highly recommend Romanow Law Group.” – CW, ⭐⭐⭐⭐⭐
What’s the insurance company really trying to do?
They’re trying to limit how much they pay. That’s their job. Insurance adjusters are trained to look for ways to:
- Deny your claim
- Downplay your injuries
- Blame you for the car accident
- Use your own words against you
- Rush you into a low settlement
It doesn’t matter if it’s your insurance company or the other driver’s. Their priority is to protect their financial interests. That’s why having a Miami car accident lawyer on your side from the start is so important. Romanow Law Group will act as a buffer between you and the other driver’s insurance company, so your rights are protected every step of the way.
Should I talk to the other driver’s insurance company?
You should never talk to the other driver’s insurance company – even if they come across as friendly and seemingly helpful. Always have an attorney present or let your attorney do the speaking for you.
The other driver’s insurance adjuster might call and ask for a recorded statement. They may seem polite, like they’re just “gathering facts.” But really, they’re looking for anything they can twist to reduce or deny your claim. Even a simple statement such as “I’m doing okay” can be used against you later.
If they call, just say: “I’m not making any statements at this time. Please contact my attorney.” Then, speak to the Miami car accident attorneys at Romanow Law Group, so you don’t risk jeopardizing your case.
What about my own insurance company?
You do need to report the crash to your own insurer, especially if you’re using your Personal Injury Protection (PIP) coverage or uninsured motorist (UM) benefits. But even your own company isn’t always on your side. They might try to keep their costs down by using the following tactics:
- Delaying your payments
- Disputing your injuries
- Claiming certain treatments aren’t “necessary”
- Pushing you to accept a fast, low settlement
We’ll handle all communication with your insurer and make sure your rights are protected under your policy. With our Miami lawyers on your side, insurance companies can’t take advantage of you.
What if the insurance company denies my claim?
Whether it’s your insurance company, or the other driver’s, don’t give up – and don’t assume they’re right. Insurance companies deny claims all the time, hoping you won’t fight back. But a denial doesn’t mean you’re not entitled to compensation.
We’ll review the reason for the denial, gather the evidence they ignored, and push back hard, whether it’s through negotiation or filing a lawsuit.
What should I do if I already got a settlement offer?
Never sign or accept anything until our Miami car accident lawyers have reviewed it. Insurance companies almost always make low initial offers, especially if they know you’re injured and overwhelmed. We’ll evaluate your offer and tell you whether it’s fair or whether you should fight for more.
If you accept that offer:
- You waive your right to additional compensation.
- You’re stuck with whatever amount they gave you, even if your injuries get worse.
- You could lose thousands (or tens of thousands) of dollars.
How much is my Miami car accident case really worth?
The value of your claim depends on your injuries, medical bills, missed work, and the long-term impact of the crash on your life. Insurance companies won’t consider all that – but our legal team will.
You may be entitled to compensation for:
- ER visits and hospital bills
- Physical therapy or rehab
- Lost income
- Future medical care
- Pain and suffering
- Emotional distress
- Property damage
We calculate the real value of your case, not just what the insurance company is willing to offer. When it’s time for negotiations, we won’t settle for anything less than the full amount you deserve.
What if I don’t want to go to court?
The good news is that most car accident claims settle out of court. But here’s the thing: insurance companies only make fair offers when they know you’re ready to take them to trial. That’s why we prepare every case as if we’re going to court, and why the insurance companies take us seriously.
If we can get you the full amount you deserve through negotiation, great. But if they refuse to play fair, we’re ready to take the fight to the courtroom.
Don’t let the insurance company call the shots.
When you hire Romanow Law Group, you level the playing field against the insurance companies. Our experienced Miami car accident attorneys know every trick insurers use to reduce your compensation, and we don’t back down. We’ll take over all communication, documentation, and negotiations so you can focus on healing. From the moment we take your case, we fight to make sure you get every dollar you’re owed.
Your first step is easy – get a free, no-pressure consultation. Tell us what happened, and we’ll tell you how we can help. We’ll walk you through your legal options, let you know what to expect, and discuss how we plan to stand up to the insurance company on your behalf. There are no retainers, no upfront costs, and no surprise fees. Just honest guidance and a plan to win your case.
Best of all, you don’t pay us a cent unless we win. That’s our contingency fee promise: no recovery, no fee. Romanow Law Group has a reputation for standing strong against insurance companies and winning. Don’t wait and risk losing out. Contact us for a free consultation and let us fight for your full compensation, every step of the way.
