A St. Augustine Accident Injury Attorney Explains the Insurer’s Mindset

Insurance adjusters have their own system of beliefs and values that color the way they evaluate a claim. A skilled St. Augustine accident injury lawyer is aware of this system and will work to counteract it.


The following list illustrates the attitudes and mindsets that often characterize a conservative insurance adjuster.

  1. The adjuster’s responsibility to the policy owner is to work for as low a settlement as possible. This is perfectly reasonable because the attorney’s responsibility is to negotiate the highest possible settlement for the plaintiff;
  2. The information given in many claims is overstated if not completely false, or refers to a condition that either was already in existence or has nothing to do with the incident in question;
  3. The information provided by the claimant’s attorney is frequently embroidered in order to make the case appear bigger than it is and should be viewed with skepticism; and
  4. All supporting documentation including invoices from medical facilities, police or, other reports, and the like must be examined with great care. This contains but is not limited to the following:
  • Is there a question of liability?
  • Could the policy be negated or coverage be denied for any reason?
  • Was the claimant negligent in any way that caused or added to the incident and could negate or limit the amount of settlement?
  • Does the claimant show any medical conditions that existed prior to the incident?
  • Are the claimant’s assertions concerning the financial impact of the incident accurate?
  • Does the claimant have a record of prior criminal activity or anything else that may cast doubt on his or her character?
  • Has the claimant filed this type of case before? Is there a history of lawsuits against businesses for slipping and falling automobile collision injuries, or anything that indicates that this might be a “professional claimant?”
  • Is the claimant’s lawyer reputable and highly regarded? Is the attorney qualified and experienced in this type of case? Is the lawyer respected by his or her peers?
  • Is the hierarchy of authority well defined with regard to case settlement and are there sufficient steps in the process to provide an adequate examination of the policies involved?

Adjusters who have been with an insurance company for a long time see many cases in which life was lost or the injuries were profound and devastating. They have experience working with physicians and medical personnel to the degree that they have developed a body of medical knowledge that serves them well in interpreting testimony. Given that many of the cases they deal with can be horrendous, they may assign far less importance to a case that involves soft tissue trauma, torn or strained ligaments, and the like.

Seek Qualified Assistance

If you need help, would like to learn more, or require additional information, your St. Augustine accident injury attorney is here for you. Call Patrick Canan at (904) 849-2266 today.


Hear From Past Clients

    He Earned My Respect & Trust

    “Andrew came highly recommended by a friend who is a lawyer. In the courtroom, he is incredibly prepared. In giving advice, he steers his clients down the right road. I feel like was looking out for my best interest.”

    - Chip S.
    Very Grateful

    “Everyone at Canan Law was friendly and hospitable. Attorney John Westfield was very professional. He listened very well and always had our best interests in mind. Most importantly, he was prepared in court.”

    - Markell F.
    Thank You For Everything You Have Done

    “Their entire team was very professional and knowledgeable about my specific case. They took time to explain in detail what they were doing every step of the way. I was EXTREMELY satisfied with the end result.”

    - Hamid B.
    I Couldn't Be Happier

    “A wealth of talent at this firm. Responsive and direct; they valued my time and money. My outcome was exactly what I expected despite the many changes that I presented them.”

    - Steve K.
    Very Pleased with Every Aspect

    “I was very pleased with every aspect of Canan Law. They walked us through a difficult situation and were available and courteous throughout. I felt they heard and understood me.”

    - Dana P.

The Firm You Can Trust

Put Our Team On Your Side Today
  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.