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MON-FRI 8:30AM-5:30PM
English or Spanish
If both drivers involved in a car accident have the same insurance company then the company will assign two different adjusters to two separate claims that will attempt to come to a liability agreement among themselves.
According to law, the driver at fault for the accident or their insurance company must pay the damages suffered by the other party.
If the driver at fault has the same insurance company as yours, your case must still be processed fairly and objectively as if they were dealing with another company. To achieve this, the case is split into two different claims with two different adjusters assigned to your cases.
One advantage of this situation is that you might get a smoother process as the adjusters will settle the matter internally, charging the damages to the at-fault party’s policy.
Depending on the company, the situation should benefit the damaged party. The company should be interested in keeping them as paying customers, so they would probably offer fair compensation.
Sometimes, the situation might be less than ideal. You may get issues with conflict of interest if the adjusters choose an outcome that benefits the insurance company. You may also get one adjuster assigned to both cases.
If you believe you are not getting a fair outcome from the insurance company or if only one adjuster was assigned to both drivers, please contact us so our Miami car accident attorney can provide a free evaluation of your case.