[FL] [FL] I was involved in a car accident that was determined to be 50/50 fault. Why is my insurance paying her money?
I was involved in a car accident about a year ago. Minor damage to the other vehicle. I had no damage to my vehicle but notified my insurance about the accident. About a month later, the other party filed a claim for damage to their car as well as retained a personal injury lawyer for injuries sustained, and I was told not to speak to her again.
A demand letter was sent to my insurance from the other party’s lawyer. At the time of the accident, it was determined to be 50/50 fault and my insurance did not pay damages for her vehicle. Now, her lawyer is demanding $100k for “injuries” sustained in the accident. She is claiming permanent disabling disability, despite leaving the scene of the accident uninjured and telling the 911 operator she was not injured. She waited about 10 days to go for a medical evaluation for her pain.
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Even in 50/50 fault accidents, insurance companies may choose to settle injury claims to avoid litigation costs, especially if there's any potential exposure. Florida follows a comparative negligence rule (FL Stat § 768.81), so the other driver can still recover 50% of her damages. Your insurer is likely offering a settlement within your policy limits to avoid the cost and risk of a lawsuit.
Unfortunately, insurance premiums can increase anytime your insurer pays a claim on your behalf, even if fault is shared or you had no damages. This is standard across the industry and not necessarily a judgment of guilt—it’s based on overall risk exposure.
If the injured party rejects the settlement and sues, and a jury awards more than your $100k liability limit, you could be personally responsible for the excess. However, your insurer must protect you from that by acting reasonably to settle within your policy limits. If they fail to do that and you’re hit with an excess judgment, they may be liable for bad faith, not you.
Your insurer has the contractual right to settle claims within your policy limits without your approval. Their primary duty is to protect you from liability and exposure, so as long as the settlement stays within limits, they don’t need your permission.
Regardless, you should not be asked to contribute anything if the total settlement stays within your $100k policy limit. If they’re implying you may want to kick in extra “to stay out of court,” that would only be your choice—not a requirement—and it’s rare. You are not automatically responsible for the gap unless there's an excess judgment after trial.
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I was involved in a car accident about a year ago. Minor damage to the other vehicle. I had no damage to my vehicle but notified my insurance about the accident. About a month later, the other party filed a claim for damage to their car as well as retained a personal injury lawyer for injuries sustained, and I was told not to speak to her again.
I'm sorry to hear about your car accident. Have you been in contact with your insurance company regarding the claim filed by the other party?
A demand letter was sent to my insurance from the other party’s lawyer. At the time of the accident, it was determined to be 50/50 fault and my insurance did not pay damages for her vehicle. Now, her lawyer is demanding $100k for “injuries” sustained in the accident. She is claiming permanent disabling disability, despite leaving the scene of the accident uninjured and telling the 911 operator she was not injured. She waited about 10 days to go for a medical evaluation for her pain.
Do you have any documentation or records from the accident that you can provide to the lawyer?
That’s done. Everything that was requested is already done.
Is there anything else the lawyer should know before I connect you? Rest assured they’ll be able to help with your personal injury claim.
Yes.
Hello! My name is Michael, and I'm an attorney ready to help! Your responses matter to me, so I only need a few minutes to review and respond to each of your posts. Are you in contact with your insurance adjuster?
I am in contact with my insurance adjuster. She told me that they are likely to give this lady some money after negotiating with her attorney. But if this was equal fault on both of our parts, why is my insurance paying her money? I had no injury or damage. And this will likely raise my insurance premium a lot.
I hear you! Did your insurance company determine who was at fault?
When the accident happened in August 2024, they reviewed pictures of our cars and statements and decided it was equal fault due to a dispute over a lane change. We both merged into the same lane at the same time. They couldn’t determine fault, and there were no witnesses, video, or any other evidence. Just her word against my word. I told the insurance adjuster at the time I had no damage or injury, and that I thought we “merged into the same lane at the same time and collided.” The damage to her car was only a minor dent to the door, which my insurance company did not pay for. She claimed no injury at the scene, didn’t want police to come, so I just self-reported to my insurance and the online Florida Highway Patrol form, and didn’t file a claim at all.
Understood! Now that I have this info, what is your legal question for me?
First, my insurance adjuster indicated that they intend to offer something around $70k, with my coverage being $100k. But this will absolutely affect my insurance for several years. How can they do that? This was determined to be an equal fault accident and the other party is injured, not me.
Second, the adjuster also told me that they typically offer low and negotiate, but if the other party chooses to reject that offer, I might be liable to pay the difference between what they offer ($70k) and what they are demanding ($100k) out of my own pocket. Even though my coverage goes to $100k. I’m like, that’s a lot of money! Why would I have to pay this? She said, “To keep yourself out of court.”
Right. So generally speaking! I just need a little time to draft up a high-quality answer. I'll be with you as soon as possible. It won't be terribly long, ok?
No problem. I’m sitting at my desk doing work. Thanks for your help!
Even in 50/50 fault accidents, insurance companies may choose to settle injury claims to avoid litigation costs, especially if there's any potential exposure. Florida follows a comparative negligence rule (FL Stat § 768.81), so the other driver can still recover 50% of her damages. Your insurer is likely offering a settlement within your policy limits to avoid the cost and risk of a lawsuit.
Unfortunately, insurance premiums can increase anytime your insurer pays a claim on your behalf, even if fault is shared or you had no damages. This is standard across the industry and not necessarily a judgment of guilt—it’s based on overall risk exposure.
If the injured party rejects the settlement and sues, and a jury awards more than your $100k liability limit, you could be personally responsible for the excess. However, your insurer must protect you from that by acting reasonably to settle within your policy limits. If they fail to do that and you’re hit with an excess judgment, they may be liable for bad faith, not you.
Your insurer has the contractual right to settle claims within your policy limits without your approval. Their primary duty is to protect you from liability and exposure, so as long as the settlement stays within limits, they don’t need your permission.
Regardless, you should not be asked to contribute anything if the total settlement stays within your $100k policy limit. If they’re implying you may want to kick in extra “to stay out of court,” that would only be your choice—not a requirement—and it’s rare. You are not automatically responsible for the gap unless there's an excess judgment after trial.
That’s the answer I needed to hear. The adjuster started asking me a ton of questions about things that were reasonable. She asked me if I had an umbrella policy, if I was working for a company at the time of the accident, or would there be any other coverage for any reason that I could think of.
But then she started delving into my personal wealth—asking if I own property other than my home, if I have retirement accounts, IRAs, etc., and if I had cash. I thought that was weird, but it took me a few minutes to realize that she seemed to be sizing me up. I stopped answering but had already told her a lot. It made me feel really bad afterwards.
I’m so sorry about that! It seems the adjuster was trying to determine if you have personal assets that could be at risk if a settlement exceeds your policy limits. This is common in high-value claims, but it can feel intrusive. When they start asking about your finances, it usually indicates they’re assessing your risk of personal liability, especially if they believe the claim might exceed your coverage. You were correct to stop answering; you are not required to disclose that type of financial information.
Michael M. Esq.
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