Q: I am a pro se claimant trying to deal with an insurance adjuster. This woman has absolutely refused to speak to me
once in 2.5 yrs. The case is definitely ongoing, meds in excess of $425,000. Today she closed the claim saying I hadn't sent them anything so they assume there were no damages and I wasn't cooperating. Fact is, I have sent them a TON of gross picitures, medical records, research, etc. to the email address they gave me - which turns out is just a black hole - doesn't really belong to anybody, no one checks it ever. I'm on the 3rd adjuster although when they fired the 2nd adjuster no one told me for over 14 months. That 2nd adjuster called me at home and said that they were assuming they would have to settle for policy limits, please don't file suit, hang in there. She then disappeared. Of course they deny the call and I know it was strange, but it DID happen. I'm thinking she did it to get back at them for firing her? My question (finally) is, does the state of Florida say, by law, that you have to try to settle the case before you file suit? NEED MORE ROOM
A:
In short. You typically have 4 years from an auto accident to file suit or your claim is barred by statute of limitations. The law does not mandate that you attempt to settle and they will gladly let you walk or run past the 4 year statute and time bar your case.
I will just say that you really need to hire a personal injury lawyer to assist you. Personally injury cases can be extremely detailed and if the case goes to trial you will be totally out matched against their lawyer who does this every day.
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