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Claims adjusters use probabilities when deciding how much to pay a claimant for an injury claim. It is possible that the claims adjuster may reduce the settlement value of your case by 25-50% or so if you did not report the accident when it happened. After you report this incident to the restaurant, supermarket or Walmart, they will most likely report this to their insurance company.
Most of this example and article do not apply for a workers compensation claim against your employer if you were injured on the job in Florida. If you’ve read my article on the settlement value of for pain and suffering for various injuries in Florida, you know that the full value of the pain and suffering component of a typical disc herniation in a Florida or cruise ship accident is $25,000 to $50,000.
Because you did not report the accident when it happened, you should expect the claims adjuster to reduce the full value of the case by 25-50%.
This is because people who make a better appearance are often awarded more money by juries.
If you are less trustworthy, perhaps the claims adjuster will reduce his settlement offer by 50%. If there was an independent witnesses or surveillance video that captured the incident and you can gather this evidence, then perhaps the claims adjuster will not lower his settlement offer due to your failure to report the accident when it happened.

To figure out the possible settlement amount for this case, let’s use a figure that is in the higher end of the range of the settlement value for the pain and suffering component of a herniated disc. For arguments sake, let’s assume that the claims adjuster will lower the settlement offer by 25% for your failure to report the incident immediately following it. Now we need to reduce the value of the case by the fact that you did not report the incident.
This is just an example and there are so many factors that can affect how much your case is worth. I have settled many claims for people who were injured but did not report the accident at the time that it happened or on the day that it happened.
Editor’s Note: This post was originally published on January 2014 and has been completely revamped and updated.
Filed Under: Florida Personal Injury I will not become your attorney by you leaving a comment. We're a law firm that represents people hurt in accidents in Florida or on a cruise ship or boat.
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We want to represent you if someone's carelessness caused your injury in Florida, or on a cruise or boat. We handle car accidents, truck accidents, slip, trip and falls, motorcycle accidents, bike accidents, drunk driving crashes, pedestrian accidents, cruise ship or boat accidents, store or supermarket accidents, wrongful death, accidents at an apartment complex, condo building or home, taxi accidents, and others. These include Miami, Homestead, Hialeah, Miami Gardens, Cutler Bay, Kendall, Coral Gables, South Miami, Doral, Miami Beach, North Miami, Pinecrest, Little Havana, Palmetto Bay, Key Biscayne and more.
We've settled cases involving the following injuries: herniated discs, shoulder injuries, rotator cuff injuries, bulging discs, tibia injuries, neck injuries, hand and wrist injuries, ankle injuries, knee injuries, back injuries, hip injuries, arm injuries, leg injuries, foot injuries and others. You left the restaurant or store and went to the urgent care or emergency room a few hours later or the next day. Remember, 25% was the percentage that I said the case value may be reduced because of your failure to report the claim when it happened. We may also be able to represent you if you live in Florida but are injured in another state.

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