{"id":61250,"date":"2026-10-02T07:32:34","date_gmt":"2026-10-02T07:32:34","guid":{"rendered":"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/what-not-to-tell-your-insurance-company\/"},"modified":"2026-11-03T04:06:47","modified_gmt":"2026-11-03T04:06:47","slug":"what-not-to-tell-your-insurance-company","status":"publish","type":"page","link":"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/what-not-to-tell-your-insurance-company\/","title":{"rendered":"What Not to Tell Your Insurance Company?"},"content":{"rendered":"\n<div class=\"wp-block-cover alignfull is-dark chg-hero\" style=\"min-height:460px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-70 has-background-dim wp-block-cover__gradient-background has-background-gradient\" style=\"background:linear-gradient(90deg,rgba(32,36,46,1) 0%,rgba(32,36,46,1) 55%,rgba(32,36,46,0.7) 100%)\"><\/span><img class=\"wp-block-cover__image-background\" alt=\"Damaged car with deployed airbags after serious accident.\" src=\"https:\/\/chglawyers.com\/resources\/wp-content\/uploads\/2026\/10\/damaged-car-with-deployed-airbags-after-serious-accident-photo-2.jpg\" fetchpriority=\"high\" decoding=\"async\"\/><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-block-cover-is-layout-constrained\">\n<h1 class=\"wp-block-heading has-base-color has-text-color\" style=\"text-shadow:0 1px 3px rgba(0,0,0,0.6),0 0 18px rgba(0,0,0,0.35)\">Spoken to the Insurance Company? Know What to Say and What to Hold Back<\/h1><p class=\"has-base-color has-text-color wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.625), 1.25rem);text-shadow:0 1px 3px rgba(0,0,0,0.6),0 0 18px rgba(0,0,0,0.35)\">After an accident, an adjuster may call quickly and sound friendly. Here is how to protect yourself while you focus on your recovery.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Get a Free, Confidential Consultation<\/a><\/div><div class=\"wp-block-button chg-cta chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Get a Free, Confidential Consultation<\/a><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-base-color has-primary-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-4d466591 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--primary,#20242e);color:var(--wp--preset--color--base,#ffffff);padding-top:3rem;padding-bottom:3rem;padding-left:1.5rem;padding-right:1.5rem\">\n<h2 class=\"wp-block-heading has-text-align-center has-base-color has-text-color\">About CHG Personal Injury Lawyers<\/h2>\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"has-text-align-center wp-block-paragraph\"><span class=\"chg-icon chg-icon--location chg-stat-ico\"><\/span><\/p><h3 class=\"wp-block-heading has-text-align-center chg-stat has-base-color has-text-color\">Florida<\/h3><p class=\"has-text-align-center wp-block-paragraph\">Florida-based personal injury firm serving clients throughout Florida<\/p><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"has-text-align-center wp-block-paragraph\"><span class=\"chg-icon chg-icon--chat chg-stat-ico\"><\/span><\/p><h3 class=\"wp-block-heading has-text-align-center chg-stat has-base-color has-text-color\">Free<\/h3><p class=\"has-text-align-center wp-block-paragraph\">Confidential first consultation with no obligation to continue<\/p><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"has-text-align-center wp-block-paragraph\"><span class=\"chg-icon chg-icon--shield chg-stat-ico\"><\/span><\/p><h3 class=\"wp-block-heading has-text-align-center chg-stat has-base-color has-text-color\">No Fees<\/h3><p class=\"has-text-align-center wp-block-paragraph\">No attorney&#x27;s fees or case costs unless there is a recovery<\/p><\/div><\/div>\n\n<\/div>\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:0.85rem;color:#6b7280;margin-bottom:1.5rem\">By CHG Lawyers \u00b7 Published November 2, 2026<\/p>\n\n<article lang=\"en\">\n\n<h2>What Not to Tell Your Insurance Company After a Car Accident in Florida<\/h2>\n<p>After a car accident, you may feel pressure to explain everything to the insurance company right away. Cooperating is important, but the first things you say can affect your claim for months or years. Adjusters work for the insurer. Their job is to protect the company&#8217;s interests, not yours. This guide explains what to say, what to hold back, and the Florida law behind each recommendation, so you can make careful decisions while you recover.<\/p>\n\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Not sure what your next step is?<\/h3><p class=\"wp-block-paragraph\">Talk it through with our team &#8212; the first consultation is free, confidential, and carries no obligation.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Get a free consultation<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Get a free consultation<\/a><\/div><\/div>\n<\/div>\n<h2>Why Your First Statements Matter Under Florida Law<\/h2>\n<p>Sections 627.730-627.7405 of the Florida Statutes may be cited and known as the <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.730.html\">Florida Motor Vehicle No-Fault Law<\/a>. First, personal injury protection (PIP) benefits pay part of your medical care. Second, a lawsuit for pain and suffering is allowed only in limited situations. Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.737.html\">\u00a7 627.737<\/a>, a plaintiff may recover damages for pain, suffering, mental anguish, and inconvenience from the owner, registrant, operator, or occupant of a motor vehicle with respect to which security has been provided as required by ss. 627.730-627.7405, or from any person or organization legally responsible for her or his acts or omissions, only in the event that the injury or disease consists in whole or in part of:<\/p>\n<ul>\n<li>Significant and permanent loss of an important bodily function.<\/li>\n<li>Permanent injury within a reasonable degree of medical probability, other than scarring or disfigurement.<\/li>\n<li>Significant and permanent scarring or disfigurement.<\/li>\n<li>Death.<\/li>\n<\/ul>\n<p>This is why your early words matter. If you tell an adjuster &#8220;I&#8217;m fine&#8221; in the first week, that statement may later be used to argue your injury is not permanent, even if your medical records show otherwise. Many serious injuries, including spinal cord damage, traumatic brain injury, and internal bleeding, do not produce obvious symptoms right away. Report what you actually feel, and let your doctors document what they find. Follow your doctors&#8217; care.<\/p>\n<p>Timing matters for medical benefits too. If you have symptoms, get evaluated promptly and keep every record.<\/p>\n<h2>Gather the Facts the Law Lets You Gather<\/h2>\n<p><strong>Proof of insurance at the scene.<\/strong> Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0300-0399\/0316\/Sections\/0316.066.html\">\u00a7 316.066<\/a>, in a crash on a public road where a long-form report is not required, the law enforcement officer shall complete a short-form crash report or provide a driver exchange-of-information form, to be completed by all drivers and passengers involved in the crash. Provide that document. It is a legal requirement, and it is different from giving a statement about how the crash happened.<\/p>\n<p><strong>The crash report.<\/strong> A Florida Traffic Crash Report, Long Form, must be completed and submitted to the department within 10 days after an investigation is completed by the law enforcement officer for a crash that resulted in death, personal injury, or any indication of complaints of pain or discomfort. Under the same statute, the report is made available to the parties involved, their legal representatives, and their insurers. Ask for a copy, but first you must present a valid driver license or other photographic identification and file a written sworn statement that the information will not be used for commercial solicitation of accident victims or knowingly disclosed to any third party for that purpose, and then read the report carefully for errors. The report also lists the officer&#8217;s name and badge number and the insurance companies for each party.<\/p>\n<p><strong>Written requests for insurance information.<\/strong> Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.4137.html\">\u00a7 627.4137<\/a>, each insurer that may provide liability insurance coverage must provide, within 30 days of the claimant&#8217;s written request, a statement under oath setting forth specified information about each known policy. It must identify the insurer, each insured, the policy limits, any coverage defense the insurer reasonably believes is available, and a copy of the policy. A written request gives you a documented, sworn answer about coverage before you make decisions about the claim.<\/p>\n<h2>What to Say and What to Hold Back<\/h2>\n<p><strong>Say:<\/strong>\n&#8211; Facts you know firsthand: &#8220;I was stopped at a red light when the other vehicle struck me from behind.&#8221;\n&#8211; Your symptoms as you actually experience them: &#8220;I have neck pain and tingling in my right hand.&#8221;\n&#8211; &#8220;I don&#8217;t know yet&#8221; or &#8220;I don&#8217;t remember&#8221; when that is true.\n&#8211; A request in writing for the insurance information described above.<\/p>\n<p><strong>Hold back:<\/strong>\n&#8211; Any statement that you were at fault, even a partial one. (See the comparative fault section below (<a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.81.html\">Fla. Stat. \u00a7 768.81(6)<\/a>).)\n&#8211; Guesses about speed, distance, or what the other driver intended.\n&#8211; Medical history the adjuster did not ask about specifically.\n&#8211; Details about your income, savings, or debts.\n&#8211; Any agreement, recorded statement, or signature made before you understand it.<\/p>\n<p>Keep this simple rule in mind: answer the question asked, in facts, and stop.<\/p>\n<h2>Do Not Admit Fault or Apologize<\/h2>\n<p>&#8220;I&#8217;m sorry&#8221; can be heard as &#8220;It was my fault.&#8221; Adjusters listen for these phrases and document them. Even a partial admission such as &#8220;I wasn&#8217;t paying full attention&#8221; gives the insurer an argument that you share the blame.<\/p>\n<p>Florida&#8217;s <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.81.html\">comparative fault statute, \u00a7 768.81<\/a>, provides that in a negligence action, your share of fault reduces the damages awarded in proportion, but a person found more than 50 percent at fault for their own harm may not recover any damages (this bar does not apply to medical negligence cases under chapter 766). The statute also requires that, in a negligence action, courts enter judgment against each liable party on the basis of that party&#8217;s percentage of fault and not on the basis of joint and several liability. That is why an early statement about fault can have lasting effects, even when several drivers or companies are involved.<\/p>\n<p>Stick to facts: &#8220;The other vehicle crossed into my lane&#8221; is better than &#8220;I should have seen them coming.&#8221; If you are unsure who was at fault, say so, and do not speculate.<\/p>\n<h2>Recorded Statements<\/h2>\n<p>Adjusters often ask to record your statement &#8220;for accuracy.&#8221; A recording is permanent. It can be replayed, and it can be used to contradict you if your memory changes later, especially after you learn more about your injuries. Adjusters may also ask leading questions designed to lock you into a sequence of events before you understand what happened.<\/p>\n<p>You have options. You may provide a written statement, or you may politely decline until you have spoken with a lawyer. If you do agree to be recorded, limit yourself to facts you are certain about.<\/p>\n\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Not sure what your next step is?<\/h3><p class=\"wp-block-paragraph\">Talk it through with our team &#8212; the first consultation is free, confidential, and carries no obligation.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Get a free consultation<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Get a free consultation<\/a><\/div><\/div>\n<\/div>\n\n<figure class=\"wp-block-image size-large has-custom-border\"><img decoding=\"async\" src=\"https:\/\/chglawyers.com\/resources\/wp-content\/uploads\/2026\/10\/severely-damaged-car-on-a-foggy-chicago-street-photo.jpg\" alt=\"Severely damaged car on a foggy Chicago street.\" style=\"border-radius:8px;width:100%;aspect-ratio:16\/9;object-fit:cover\"\/><\/figure>\n<h2>The Alcohol and Drug Defense, Explained Honestly<\/h2>\n<p>Many people are unsure whether medication or a drink at a family event could affect their claim. Florida law addresses this directly. Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.36.html\">\u00a7 768.36<\/a>, in any civil action, a plaintiff may not recover any damages for loss or injury to his or her person or property if the trier of fact finds that, at the time the plaintiff was injured, the plaintiff was under the influence of any alcoholic beverage or drug to the extent that the plaintiff&#8217;s normal faculties were impaired or had a blood or breath alcohol level of 0.08 percent or higher, and that as a result of that influence the plaintiff was more than 50 percent at fault for his or her own harm.<\/p>\n<p>The statute&#8217;s definition of &#8220;drug&#8221; does not include a prescription taken in accordance with the prescription. Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.36.html\">\u00a7 768.36<\/a>, the term &#8216;drug&#8217; does not include any medication that is authorized under state or federal law for general distribution and use without a prescription and that was taken in the recommended dosage.<\/p>\n<p>We raise this without judgment, because the answer depends on facts, and facts are documented. Crash reports, toxicology results, and medical records are often available to the insurer. If there is a question about alcohol or medication, tell your attorney the complete truth at the start. An accurate account lets your lawyer evaluate the defense and respond to it. An account that conflicts with the records damages your credibility on everything else.<\/p>\n<h2>Families After a Serious or Fatal Crash<\/h2>\n<p>If someone you love died or was catastrophically injured in a crash, the weeks ahead can be overwhelming. You do not have to know the law to take the next steps. Focus on what helps you protect your family&#8217;s rights:<\/p>\n<ul>\n<li><strong>Keep the crash report and every insurance document.<\/strong> Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.4137.html\">\u00a7 627.4137<\/a>, you can request a sworn statement of coverage in writing.<\/li>\n<li><strong>Save medical, funeral, and related bills.<\/strong> Florida&#8217;s statute defining &#8216;economic damages&#8217; in <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.81.html\">\u00a7 768.81<\/a> includes past and future lost income, medical and funeral expenses, and lost support and services.<\/li>\n<li><strong>Know that death is a recognized category.<\/strong> Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.737.html\">\u00a7 627.737<\/a>, in an action of tort against the owner, registrant, operator, or occupant of a motor vehicle with required no-fault security, death is one of the injury categories in which a plaintiff may recover damages for pain, suffering, mental anguish, and inconvenience.<\/li>\n<li><strong>Let the personal representative handle settlements.<\/strong> Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.727.html\">\u00a7 627.727<\/a>, in the case of death, the personal representative may agree to settle a claim with a liability insurer and its insured if the settlement would not fully satisfy the claim so as to create an underinsured motorist claim; written notice of the proposed settlement must then be submitted to all underinsured motorist insurers that provide coverage.<\/li>\n<\/ul>\n<p>Grief and urgency are not the same as readiness. You do not have to decide anything in a phone call. Contact a lawyer promptly, so that deadlines are protected while you focus on your family.<\/p>\n<h2>Do Not Sign or Release Anything Without Understanding It<\/h2>\n<p>Insurers often make a quick first offer. A settlement that looks reasonable now may not cover future medical care, lost income, or permanent impairment.<\/p>\n<p>Be careful with releases. Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.041.html\">\u00a7 768.041<\/a>, a release or covenant not to sue as to one tortfeasor for personal injury or wrongful death does not operate to release or discharge the liability of any other tortfeasor who may be liable for the same tort or death. If you have underinsured motorist coverage, <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.727.html\">\u00a7 627.727<\/a> requires that, when a settlement would not fully satisfy the claim, written notice of the proposed settlement be submitted by certified or registered mail to all underinsured motorist insurers that provide coverage. Those insurers then have 30 days after receiving the notice to consider authorizing the settlement or keeping their subrogation rights. These steps are easy to miss on your own, and they affect your rights.<\/p>\n<p>Florida law sets deadlines for filing injury claims. They apply to every case, and the exact deadline depends on the facts. Do not assume you have time.<\/p>\n<h2>Social Media and Surveillance<\/h2>\n<p>Insurers monitor social media and sometimes conduct surveillance, especially in claims involving serious injuries. A photo of you smiling at a family event, or a video of you walking to your car on a good day, can be presented without the pain or medication that followed. Until your claim is resolved:<\/p>\n<ul>\n<li>Do not post about the accident, your treatment, or your daily activities.<\/li>\n<li>Set accounts to private, but do not delete content, because deletion can be portrayed as concealment.<\/li>\n<li>Be cautious about what friends and family post about you.<\/li>\n<\/ul>\n<h2>When to Talk With Our Lawyers<\/h2>\n<p>If you have a serious or permanent injury, or the insurer is pressing you to settle, speak with a lawyer before you make decisions. Our team at CHG Personal Injury Lawyers reviews what you have already said to the insurer, examines settlement offers, and explains your rights under Florida law. We handle personal-injury claims of every severity, including serious and catastrophic injuries from <a href=\"\/resources\/car-accident-claims\/\">car accidents<\/a>, truck crashes, and other accidents.<\/p>\n<p>Many people injured in <a href=\"\/resources\/car-accident-settlements-florida\/\">car accidents<\/a> do not understand the full scope of their injuries or costs until weeks or months later. Your statements, your medical records, and your deadlines all need attention early.<\/p>\n\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Not sure what your next step is?<\/h3><p class=\"wp-block-paragraph\">Talk it through with our team &#8212; the first consultation is free, confidential, and carries no obligation.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Get a free consultation<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Get a free consultation<\/a><\/div><\/div>\n<\/div>\n<h2>Frequently Asked Questions<\/h2><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Can I refuse to give a recorded statement to an insurance company?<\/summary><p>Yes. You may decline, provide a written statement instead, or wait until you have spoken with a lawyer.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>What if I already admitted fault?<\/summary><p>Contact a lawyer as soon as possible. One statement does not automatically end a claim, but it can complicate it. A lawyer can help limit the effect and respond to the insurer on your behalf.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Can I still recover if I was partly at fault?<\/summary><p>Under Florida&#8217;s comparative fault statute, <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.81.html\">\u00a7 768.81<\/a>, your share of fault reduces your damages in proportion, but if you are found more than 50 percent at fault for your own harm, you may not recover any damages (except in medical negligence cases under chapter 766). How that applies to your facts requires a review of your case.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>How long do I have to file a claim in Florida?<\/summary><p>Contact a lawyer promptly, because the exact deadline depends on the facts.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>What if the insurance company denies my claim?<\/summary><p>A lawyer can explain your options, which may include requesting the insurer&#8217;s written explanation and, if necessary, filing a lawsuit.<\/p><\/details><hr \/>\n<p>If you have been in a serious accident and you are unsure whether something you said has weakened your position, or you feel pressure to settle before you are ready, talking with a lawyer can clarify what comes next.<\/p><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Contact CHG Personal Injury Lawyers for a free, confidential first consultation, with no obligation to continue. CHG charges no attorney&#8217;s fees and no case costs unless there is a recovery.<\/summary><p>Responsible attorney: Igor Hernandez, CHG Personal Injury Lawyers, admitted to The Florida Bar. Serving Florida.<\/p><\/details><\/article>\n<footer class=\"disclaimer\"><em>This is attorney advertising. The information provided is for general informational purposes only and is not legal advice. Prior results do not guarantee a similar outcome, and contacting the firm does not create an attorney-client relationship. Cornish Hernandez Gonzalez, PLLC, 2525 Ponce de Leon Blvd, Suite 300, Coral Gables, FL 33134.<\/em><\/footer>\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-583d630a wp-block-group-is-layout-constrained\" style=\"padding-top:3rem;padding-bottom:3rem;padding-left:1.5rem;padding-right:1.5rem\">\n<h2 class=\"wp-block-heading has-text-align-center\">Common Statements That Can Complicate a Claim<\/h2>\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--info\"><\/span><\/p><h3 class=\"wp-block-heading\">Guessing about fault<\/h3><p class=\"wp-block-paragraph\">Saying &#x27;I think I may have caused it&#x27; or &#x27;I should have seen them&#x27; can be used against you, even if you were only trying to be polite.<\/p><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--heart\"><\/span><\/p><h3 class=\"wp-block-heading\">Downplaying your injuries<\/h3><p class=\"wp-block-paragraph\">Saying &#x27;I&#x27;m fine&#x27; before your medical evaluation is complete can make it harder to show what you have actually been through.<\/p><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--document\"><\/span><\/p><h3 class=\"wp-block-heading\">Signing forms without reading them<\/h3><p class=\"wp-block-paragraph\">Some documents ask you to agree to terms or release claims. Read everything first, and ask a lawyer before signing.<\/p><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--clock\"><\/span><\/p><h3 class=\"wp-block-heading\">Rushing into a recorded statement<\/h3><p class=\"wp-block-paragraph\">A recorded statement is taken on the insurer&#x27;s schedule, often before you know the full extent of your injuries.<\/p><\/div><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Important: Pause Before You Respond<\/h3><p class=\"wp-block-paragraph\">You do not have to answer every question on the spot. It is reasonable to say you will provide information after speaking with a lawyer. Follow your doctors&#x27; care, and keep records of your medical visits, bills and missed work.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Talk With Our Team Today<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Talk With Our Team Today<\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-surface-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-583d630a wp-block-group-is-layout-constrained\" style=\"padding-top:3rem;padding-bottom:3rem;padding-left:1.5rem;padding-right:1.5rem\">\n<h2 class=\"wp-block-heading has-text-align-center\">Steps to Take Before Your Next Call<\/h2>\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Write down what happened<\/h3><p class=\"wp-block-paragraph\">Record the date, time, location and what you remember while the details are fresh. Keep your notes private and share them with your lawyer.<\/p><\/div><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Ask for the adjuster&#x27;s details<\/h3><p class=\"wp-block-paragraph\">Note the adjuster&#x27;s name, company, phone number and claim number so you can track every conversation.<\/p><\/div><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Keep your medical records<\/h3><p class=\"wp-block-paragraph\">Attend your appointments, follow your doctors&#x27; instructions, and keep copies of bills, prescriptions and treatment notes.<\/p><\/div><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Call a lawyer before you agree to anything<\/h3><p class=\"wp-block-paragraph\">A free, confidential consultation can help you understand what to say, what to avoid, and what questions to ask before you respond.<\/p><\/div><\/div><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-base-color has-secondary-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-4d466591 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--secondary,#20242e);color:var(--wp--preset--color--base,#ffffff);padding-top:3rem;padding-bottom:3rem;padding-left:1.5rem;padding-right:1.5rem\">\n<h2 class=\"wp-block-heading has-text-align-center has-base-color has-text-color\">Not Sure What to Say? Talk to a Florida Injury Lawyer First<\/h2>\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-0aa01211 wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Request a Free, Confidential Consultation<\/a><\/div><div class=\"wp-block-button chg-cta chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Request a Free, Confidential Consultation<\/a><\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\">Related practice areas<\/h2><ul class=\"wp-block-list\"><li><a href=\"\/resources\/car-accident-settlements-florida\/what-is-the-most-common-cause-of-death-in-motorcycle-accidents\/\">What is the most common cause of death in motorcycle accidents?<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/car-accident-nerve-damage-settlement\/\">Car Accident Nerve Damage &amp; Spinal Injury Settlements<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/car-accident-soft-tissue-damage-settlement\/\">Soft Tissue Injury Settlements from Car Accidents<\/a><\/li><\/ul>\n<!-- chg:section-siblings -->\n<nav aria-label=\"More in this section\">\n<h2>More in this section<\/h2>\n<ul><li><a href=\"\/resources\/car-accident-settlements-florida\/what-qualifies-as-a-minor-injury\/\">What qualifies as a minor injury?<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/what-qualifies-as-a-soft-tissue-injury\/\">What qualifies as a soft tissue injury?<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/what-qualifies-as-pain-and-suffering-in-a-car-accident\/\">What qualifies as pain and suffering in a car accident?<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/what-settlement-amount-can-a-pinched-nerve-get-in-a-car-accident\/\">What settlement amount can a pinched nerve get in a car accident?<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/what-to-do-after-car-accident-florida-guide\/\">What to Do After a Car Accident in Florida: Step-by-Step Guide<\/a><\/li><\/ul>\n<\/nav>\n<!-- \/chg:section-siblings -->","protected":false},"excerpt":{"rendered":"<p>What not to tell your insurance company? Learn which statements can hurt a Florida injury claim. 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