--- description: We need insurance companies to protect us from unforeseen events, but all too often, they take advantage of us when we're most vulnerable. title: What Insurance Companies Don't Want You to Know | Fran Haasch canonical: https://www.lawfran.com/what-insurance-companies-dont-want-you-to-know/ date_modified: 2026-03-16T20:40:03+00:00 practice_area: what-insurance-companies-dont-want-you-to-know --- - What Insurance Companies Don't Want You to Know | Fran Haasch [Home](https://www.lawfran.com/) » What Insurance Companies Don’t Want You to Know # What Insurance Companies Don’t Want You to Know Last Updated: March 16, 2026 - Reading Time: 4 minutes trusted Content Legally Reviewed by: Fran Haasch Updated 5 months ago [![Tampa Bay Trial Lawyers Association](https://www.lawfran.com/wp-content/uploads/2023/12/tbtla-1.webp)](https://www.tbtla.us) [![10 Best Attorney Client Satisfaction American Institute of Personal Injury Attorneys](https://www.lawfran.com/wp-content/uploads/2022/01/logo-4.png)](https://www.aiopia.org) [![Avvo Rating 10.0 Superb](https://www.lawfran.com/wp-content/uploads/2022/01/avvo.png)](https://www.avvo.com) [![Florida Justice Association Logo](https://www.lawfran.com/wp-content/uploads/2022/01/logo-5.png)](https://www.myfja.org) [![elite Lawyers of America ELA](https://www.lawfran.com/wp-content/uploads/2022/01/logo-3.png)](https://www.elitelawyer.com) [![National Alliance of Attorneys Distinguished Member logo](https://www.lawfran.com/wp-content/uploads/2022/01/distinguished-member-2020-1-300x256.png)](https://naoatty.org) [![American Academy of Attorneys Top 100 2020](https://www.lawfran.com/wp-content/uploads/2022/01/AAOA-Top-100-2020-1-1-300x212.png)](https://aaoaus.com/directory/categories/florida-top-100) [![American Association of Justice logo](https://www.lawfran.com/wp-content/uploads/2022/01/logo-2.png)](https://www.justice.org) [![Multi-Million Dollar Advocates Forum](https://www.lawfran.com/wp-content/uploads/2022/01/logo-1.png)](https://www.milliondollaradvocates.com) Table of Contents Our Case results [$5,010,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/5010000/) [$4,000,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/4000000-3/) [$4,000,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/4000000-2/) [$4,000,000 Catastrophic Injury, Personal Injury](https://www.lawfran.com/blog/case-results/4000000/) [$3,010,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/3010000/) [$2,405,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/2405000/) [$2,400,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/2400000-2/) [$2,400,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/2400000/) [$2,330,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/2330000/) [$2,300,000 Medical Malpractice, Personal Injury](https://www.lawfran.com/blog/case-results/2300000/) [$1,800,000 Car Accidents](https://www.lawfran.com/blog/case-results/1800000-2/) [$1,800,000 Car Accidents](https://www.lawfran.com/blog/case-results/1800000/) [$1,600,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/1600000/) [$1,550,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/1550000-2/) [$1,550,000 Car Accidents](https://www.lawfran.com/blog/case-results/1550000/) [$1,500,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/1500000-2/) [$1,500,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/1500000/) [$1,494,446 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/1494446/) [$1,400,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/1400000-2/) [$1,400,000 Motorcycle Accidents](https://www.lawfran.com/blog/case-results/1400000/) [View All Results](https://www.lawfran.com/case-results/) Our Practice Areas Testimonials Extremely attentive and considerate. 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Frequency may vary. Message & data rates may apply. Text HELP for assistance, reply STOP to opt out. Submit Δ Insurance companies are a necessary evil in today’s society. We need them to protect us from unforeseen events, but all too often, they take advantage of us when we’re most vulnerable. That’s why it’s important to know what insurance companies don’t want you to know. By understanding their tricks and tactics, you can make sure that your rights are protected after an accident. [Contact](https://www.lawfran.com/contact-us/) The Fran Haasch Law Group today for a free case evaluation if you feel you have been the victim of an accident through no fault of your own and have questions about how to handle the insurance company. ## 6 Things Insurance Companies Don’t Want You to Know After an accident, the insurance company will enlist an [insurance adjuster](https://www.lawfran.com/car-accident-lawyers/what-to-do-after-accident/insurance-adjusters/) to investigate your claim. The insurance adjuster’s job is to minimize the amount of money the company has to pay. To protect yourself after an accident, here are some things that most insurance companies don’t want you to know. ### 1. You Have Rights After an Accident Most people believe that insurance companies are looking out for their best interests, but this couldn’t be further from the truth. In reality, insurance companies are businesses interested in making a profit. They’re not interested in providing you with the best possible service or paying out claims. If you’ve been in an accident, it’s important to understand your rights before you speak to insurance claim adjusters. Otherwise, you could end up settling for far less than your claim is worth. ### 2. You Don’t Have to Accept the First Offer In many cases, the insurance adjuster will try to lowball you by offering a settlement that’s far less than your claim is actually worth. Adjusters are trained to do this, and they do it because they know that most people don’t understand the true value of their claim. Don’t fall for this trap! If you’re unhappy with the first offer, you can (and should) negotiate for a better one. ### 3. You Don’t Have to Talk to the Insurance Claims Adjusters Another common tactic that car insurance companies use is trying to get claimants to say something they can use against them. An insurance claims adjuster [will ask leading questions](https://www.lawfran.com/blog/2019/06/should-i-speak-to-the-insurance-company-about-my-injuries/) to trip you up and get you to say something that they can use to deny your claim. They’ll want to know about your injuries, any treatment you’ve received, and how much time you’ve missed from work. They may also request access to your medical records. It’s important to remember that you don’t have to give the insurance company everything they ask for. You can hire an attorney to help you protect your rights and negotiate with the insurance company on your behalf. ### 4. You Can Hire a Personal Injury Attorney to Help You [File a Claim](https://www.lawfran.com/filing-a-personal-injury-claim/) If you’ve been in an accident, one of the [first things you should do](https://www.lawfran.com/when-to-hire-a-personal-injury-lawyer/) is hire a personal injury attorney. An experienced [personal injury attorney](https://www.lawfran.com/) will level the playing field and ensure your rights are protected. Insurance companies will try to take advantage of you if they know you’re not represented by an attorney. ### 5. Insurance Adjusters are Trained Negotiators** ** It’s important to remember that insurance adjusters are trained negotiators. They’re not interested in giving you a fair settlement. Their goal is to get you to accept as little money as possible. ### 6. If the Insurance Company Denies Your Claim, You Can Fight Back If your insurance company denies your claim, you have the right to litigate. An experienced attorney can help you file the necessary paperwork and represent you in front of a judge and jury. [No-Fault Insurance in Florida](https://www.lawfran.com/car-accident-lawyers/is-florida-a-no-fault-state/) Florida law requires drivers to [carry no-fault insurance](https://www.lawfran.com/car-accident-lawyers/minimum-car-insurance-in-florida/), also called PIP. PIP stands for personal injury protection and covers you regardless of who is at fault for an accident. PIP will pay up to $10,000 for your medical bills, lost wages, and other expenses after an accident. If you were injured in a car accident, you would have to file a PIP claim with your own insurance company first. You must [seek medical treatment within 14 days](https://www.lawfran.com/blog/2022/05/florida-pip-insurance-limits-making-a-claim-to-only-14-days/), and once that time limit is over, you will be ineligible for PIP if you do not [receive medical treatment](https://www.lawfran.com/car-accident-lawyers/should-i-see-a-doctor-after-an-accident/). ## How Much Money Can I Recover in a Claim? The amount of money you can recover in a claim depends on the severity of your injuries, [how long it will take](https://www.lawfran.com/how-long-does-it-take-to-get-my-personal-injury-compensation/) you to recover, whether or not you will be able to return to work, and other factors. ## Contact the Fran Haasch Law Group for Help with Your Insurance Claim After being in a car accident, one of the first things you should do is call a car accident lawyer. With their guidance, you will have a better understanding of your rights and remedies. In case two weeks have already passed since your accident, your lawyer will be able to help you figure out the best next step. The Fran Haasch Law Group and our personal injury attorneys are standing by to help car accident victims in Clearwater, Florida, and the Greater Tampa Bay region. We offer free case evaluations to inquiring clients. Our[case results](https://www.lawfran.com/case-results/) speak for themselves, but if you would like to know more about our legal services, please feel free to call **(727) 784-8191 **or[contact us online](https://www.lawfran.com/contact-us/) to get started on [receiving maximum compensation](https://www.lawfran.com/compensation-for-my-personal-injury-case/) for your personal injury case. INJURED IN FLORIDA? The Fran Haasch Law Group Is Here for You. Whether you’ve been hurt in a [motorcycle crash](https://www.lawfran.com/motorcycle-accident-lawyers/), [car accident](https://www.lawfran.com/car-accident-lawyers/), [truck collision](https://www.lawfran.com/truck-accident-lawyers/), or another serious incident, you deserve strong legal representation. Our experienced Florida [personal injury attorneys](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) will fight to protect your rights and help you recover the compensation you need. [Schedule Your Free Consultation](https://www.lawfran.com/contact-us/) Share this page Find an Office Near You Our Personal Injury Locations At Fran Haasch Law Group Accident & Injury Lawyers, we’re proud to serve clients throughout the greater Tampa Bay area and beyond. With multiple offices across the region, our team is dedicated to making it easy for you to access experienced legal help close to home. Select a location below to learn more about the services available near you. 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Haasch Founding Attorney Over 20 Years Experience - [Personal Injury](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) - [Car Accidents](https://www.lawfran.com/car-accident-lawyers/) - [Motorcycle Accidents](https://www.lawfran.com/motorcycle-accident-lawyers/) [![Multi Million Dollar Advocates Forum](https://www.lawfran.com/wp-content/uploads/2023/12/logo-1-2.png)](https://nwtla.org/members/francoise-haasch-esq/) Lifetime Member [![Avvo Rating 10.0 Superb](https://www.lawfran.com/wp-content/uploads/2023/12/avvo-2.png)](https://www.justice.org/) [![National Women Trial Lawyers Top 25](https://www.lawfran.com/wp-content/uploads/2023/12/66659356429853-e1760028480574.webp)](https://nwtla.org/members/francoise-haasch-esq/) [![Best of the Best Attorneys Top 10 Personal Injury Attorney 2024](https://www.lawfran.com/wp-content/uploads/2024/04/best-of-the-best.webp)](https://bestofthebestattorneys.org/best-attorneys/2024-best-attorneys/) [![2024 Attorney and Practice Magazine Personal Injury Law Attorney Badge](https://www.lawfran.com/wp-content/uploads/2024/02/award.webp)](https://www.attorneyandpractice.com/) Known for extensive trial experience and consistent client advocacy across complex injury cases. 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Whether its how to prevent them or what to do once you’ve been in one, [our blog](https://www.lawfran.com/blog/) can help you gather the knowledge and information you need. ### [When to Hire a Personal Injury Lawyer](https://www.lawfran.com/when-to-hire-a-personal-injury-lawyer/) ### [What Types of Damages Can I Recover in a Personal Injury Claim in Florida](https://www.lawfran.com/what-types-of-damages-can-i-recover-in-a-personal-injury-claim-in-florida/) ### [How Long Does a Personal Injury Claim Take?](https://www.lawfran.com/how-long-does-a-personal-injury-claim-take/) ### [Brandon Personal Injury Lawyer](https://www.lawfran.com/brandon-personal-injury-lawyers/) ### [Difference Between Settlement and Trial](https://www.lawfran.com/difference-between-settlement-and-trial/) ### [Lakeland Personal Injury Lawyer](https://www.lawfran.com/lakeland-personal-injury-lawyers/) ### [Clearwater Personal Injury Lawyers](https://www.lawfran.com/clearwater-personal-injury-lawyers/) ### [Personal Injury Lawyer Port Charlotte](https://www.lawfran.com/port-charlotte-personal-injury-lawyers/) ### [Should I Speak to the Insurance Company About My Injuries?](https://www.lawfran.com/blog/2019/06/should-i-speak-to-the-insurance-company-about-my-injuries/) June 10, 2019 After being injured in an accident, one of the first calls you receive will come from the other party’s insurance company. Their job is to [Read Full Post »](https://www.lawfran.com/blog/2019/06/should-i-speak-to-the-insurance-company-about-my-injuries/) [![fran fights for you with car that rear ended another red car in background](https://www.lawfran.com/wp-content/uploads/2020/10/FranFights_FullCoverage.jpg)](https://www.lawfran.com/blog/2022/05/how-do-i-get-reimbursed-for-lost-wages-and-medical-expenses-after-an-auto-accident/) ### [How Do I Get Reimbursed for Lost Wages and Medical Expenses After an Auto Accident?](https://www.lawfran.com/blog/2022/05/how-do-i-get-reimbursed-for-lost-wages-and-medical-expenses-after-an-auto-accident/) May 8, 2022 An auto accident can cause you to suffer serious injuries that might require medical treatment, including surgery, rehabilitation, and prescription medication. In some cases, the [Read Full Post »](https://www.lawfran.com/blog/2022/05/how-do-i-get-reimbursed-for-lost-wages-and-medical-expenses-after-an-auto-accident/) ### [How An Accident Can Affect Your Mental Health](https://www.lawfran.com/blog/2022/05/how-an-accident-can-affect-your-mental-health/) May 11, 2022 No one ever expects to be in an accident, but it can happen to anyone. If you are involved in a car accident, it can [Read Full Post »](https://www.lawfran.com/blog/2022/05/how-an-accident-can-affect-your-mental-health/) ## Contact Us Today [(727) 784-8191](tel:+17277848191) Our experienced attorneys are here to help you navigate your legal rights with confidence. 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