Misconception 1: "They're just trying to make money off my claim"
Reality
- Contingency means no recovery, no fee
- Florida caps fees by statute (Fla. Stat. 626.854)
- Fee tied to increased recovery, not inflated claims
- Multiple studies show PAs produce better outcomes even after fees
Misconception 2: "The carrier will pay me less if I have a PA"
Reality
- Carriers must evaluate claims on merits
- Fla. Stat. 626.9541 prohibits unfair discrimination
- PAs produce better outcomes per published data
- Carrier "preference" rules prohibit retaliation
Misconception 3: "They're all sketchy / unregulated"
Reality
- Florida DFS licensure required
- Continuing education required
- Regulated fee structure
- Written contract mandate
- 10-day cancellation right
- Regulatory complaint process
Misconception 4: "I can do it myself just as well"
Reality
- Some claims yes; complex claims rarely
- Documentation burden is significant
- Statute knowledge matters
- Negotiation is learned skill
- Time investment substantial
Misconception 5: "They work with carriers, not against them"
Reality
- Florida PAs must represent policyholders exclusively
- Cannot also represent carriers
- Licensure category is specific
- Ethical standards enforced
Misconception 6: "It's too late to hire one"
Reality
- Supplemental claims available within 18 months
- Reopened claims within 1 year
- Appraisal invocable during claim
- CRN available when warranted