THE FLORIDA LAW BLOG

How To Challenge A Red Light Camera Ticket

If you have not received a red light camera ticket, it may only be a matter of time until you do.  We tend to forget about the red light cameras but they are always watching us at intersections. It does not matter if you were driving your car, or loaned it to someone else, the ticket will still come to you, the registered owner of the vehicle.

The violation of red lights is regulated under Florida statute 316.0083, 316.074(1) and 316.075(1).  Violations observed by red light cameras are non moving violations and do not carry points against your license, and cannot be used by insurance companies to raise your rates.

If you want to challenge the ticket as the registered owner you normally have options. Note that your options to challenge a red light camera will vary from city to city and you should review the procedure in your particular city. What is shown here is an example of one city in Florida and may not be representative of your city.

Option one

You may prepare and submit a sworn affidavit to the address shown on the notice of violation, that one of several statutory exemptions applies. These exemptions are; (1) that the motor vehicle passed through the intersection in order to yield the right of way to an emergency vehicle, or as part of a funeral procession, or (2) that you passed through the intersection at the direction of a law enforcement officer, or (3) that the vehicle was at the time of the violation, in the care custody or control of another person, or (4) that a uniform traffic citation (ticket) was isued by a law enforceme oficer to the driver of the motor vehicle stated in the notice at the time of the violation. The affidavit must be sworn and notarized.

If you assert that the vehicle was in the care, custody and control of someone else, you must provide the name, address, date of birth, and if known, the drivers license number of the individual driving your car. This will result in the issuance of a uniform traffic citation to the person named in the affidavit.

If your vehicle was stolen then the affidavit must include a copy of the police report showing the vehicle to have been stolen. If you assert that a uniform traffic citation was issued to the driver, you must include the serial number of the citation with the affidavit.

Option two

If you fail to either pay the fine, or submit the required affidavit then a uniform traffic citation will be issued to you, and then the usual remedies specified in Florida Statute 318.14 will apply, which includes the right to have a hearing before a designated official who shall determine whether an infraction has been committed, and either dismisses the infraction or imposes  penalties as allowed under the law, which may include additional civil penalties not to exceed $500.00, and court fees and costs. A video and photos of your vehicle running the red light may be offered in evidence at a hearing on the violation.

If you elect to submit an affidavit keep in mind that the submission of a false affidavit is a misdemeanor of the second degree punishable by up to 60 days in jail and or a fine not to exceed $500.00.  If you submit an affidavit you should do so no less than eight (8) days prior to the due date specified in the notice of violation.

CLAIMS ADJUSTERS ETHICAL OBLIGATION

What is a claims adjuster and what ethical obligations are they supposed to follow?

Claims adjusters work for insurance companies, as such they have an inherent conflict of interest when dealing with claimants. The adjuster is there to protect the interests of their employer. Often claimants believe that the insurance adjuster has their best interests in mind, but this is simply not the case. Claims adjusters job is to limit the amount of money they pay out on claims, to pay as little as possible on each and every claim so as to maximize the profitability of the insurance company.

As a lawyer, I have had many clients come to me over the years telling me the same story, that a claims adjuster contacted them after their accident and offered to give them a check the same day or the day after their accident. Often these checks are for minimal amounts like $300 and include full and final releases of all property damage and bodily injury claims against their insured. Should an adjuster be allowed to engage in this type of behavior? The Florida Administrative code would say the answer is a big NO.

Here is the language from Florida Administrative code Section 4(4)(l)

"An adjuster shall not attempt to negotiate with or obtain any

statement from a claimant or witness at a time that the claimant

or witness is, or would reasonably be expected to be, in shock or

serious mental or emotional distress as a result of physical, mental,

or emotional trauma associated with a loss. Further, the adjuster shall

not conclude a settlement when such settlement would be

disadvantageous or to the detriment of a claimant who is in the

traumatic or distressed state described above".

Another common claims adjuster behavior that I see is for the adjuster to do everything they can to delay paying a claim. They often will say that they did not receive records sent to them by the lawyer, even though those records were sent certified mail and the lawyer has a return receipt as proof they were received. Adjusters also will claim that they are seeking prior medical records from the injured person, and despite being provided a signed medical release, six months later the adjuster will claim that they still don’t have the prior records.

This delay tactic is common and is in violation of Florida Administrative code Section 4(4)f), which states:  "An adjuster, upon undertaking the handling of a claim, shall act with dispatch and due diligence in achieving a proper disposition thereof."

Another common tactic is for adjusters to steer claimants away from hiring a lawyer and suggest that they would be better off just settling the claim. This conduct violates Florida Administrative Code section (4)(4)(k) which states:  "An adjuster shall not advise a claimant to refrain from seeking

legal advice, nor advise against the retention of counsel to protect the claimant's interest".

Perhaps the biggest problem that I see as a lawyer is claims adjusters denying claims or low balling the claim in such a manner as to effectively be denying the claim.  When you purchase liability insurance you have a reasonable expectation that your insurance will pay claims in the event that you are at fault in an accident.  When your insurance company does not pay the claim or makes such a low offer to settle that they effectively are denying the claim, you as the insured may find yourself being sued by the injured driver. So instead of protecting you, and paying the claim as you would expect you get a knock on the door from a process server, who then serves you with a lawsuit, which could have been avoided had the adjuster paid the claim. This type of adjuster behavior violates Florida Administrative Code section (4)(4)(c)  which states "An adjuster shall never approach investigations, adjustments, and settlements in a manner prejudicial to the insured".

Has your adjuster has violated these rules? Report violations to the Employee Assistance Office at 850-488-5201or 1-800-342-1741 and speak to an Insurance Analyst/Advisor. Be sure to request that they fill out an official RFA (Request For Assistance) . The official paperwork must be done before any official action be taken.

You can also request that they send the RFA on to the Bureau of Monitoring and Auditing.

Here is the complete Florida Administrative Code Section 4 (of 68 sections) for insurance. Included in it are 4-220.201 Ethical Requirements.

(1) Purpose. This rule sets forth the various ethical considerations and

constraints for various classes of insurance adjusters.

(2) Definitions. The following definitions shall apply for purposes of

this rule.

(a) "Adjuster," when used without further specification, refers to and

includes all types and classes of insurance adjusters,

(company, independent, and public), subject to Chapter 626, Florida

Statutes, and regardless whether resident or nonresident, and

whether permanent, temporary, or emergency licensees.

(b) "Client" refers to and includes both clients and potential clients;

and means any person who consults with or hires an

adjuster to provide adjusting services.

(c) "Department" refers to the Florida Department of Insurance.

(d) "Person" includes natural persons and legal entities.

(3) Violation. Violation of any provision of this rule shall constitute

grounds for administrative action against the licensee,

upon grounds, that include but are not limited to, that the violation

demonstrates a lack of fitness to engage in the business of

insurance. Additionally, a breach of any provision of this rule

constitutes an unfair claims settlement practice.

(4) Code of Ethics.

The work of adjusting insurance claims engages the public trust.

An adjuster must put the duty for fair and honest treatment of the

claimant above the adjuster’s own interests, in every instance. The

following are standards of conduct that define ethical behavior.

(a) An adjuster shall disclose all financial interest in any direct or

indirect aspect of an adjusting transaction. For example: an

adjuster shall not directly or indirectly refer or steer any claimant

needing repairs or other services in connection with a loss to any

person with whom the adjuster has an undisclosed financial interest, or

which person will or is reasonably anticipated to provide the

adjuster any direct or indirect compensation for the referral or for any

resulting business.

(b) An adjuster shall treat all claimants equally. An adjuster shall not

provide favored treatment to any claimant. An adjuster

shall adjust all claims strictly in accordance with the insurance

contract.

(c) An adjuster shall never approach investigations, adjustments, and

settlements in a manner prejudicial to the insured.

(d) An adjuster shall make truthful and unbiased reports of the facts

after making a complete investigation.

(e) An adjuster shall handle every adjustment and settlement with

honesty and integrity and allow a fair adjustment or

settlement to all parties without any remuneration to himself except

that to which he is legally entitled.

(f) An adjuster, upon undertaking the handling of a claim, shall act

with dispatch and due diligence in achieving a proper

disposition thereof.

(g) An adjuster shall promptly report to the Department any conduct by

any licensed insurance representative of this state,

which conduct violates any insurance law or Department rule or order.

(h) An adjuster shall exercise extraordinary care when dealing with

elderly clients, to assure that they are not disadvantaged in

their claims transactions by failing memory or impaired cognitive

processes.

(i) An adjuster shall not negotiate or effect settlement directly or

indirectly with any third-party claimant represented by an

attorney, if said adjuster has knowledge of such representation, except

with the consent of the attorney. For purposes of this

subsection, the term "third-party claimant" does not include the insured

or the insured’s resident relatives.

(j) An adjuster is permitted to interview any witness, or prospective

witness, without the consent of opposing counsel or party.

In doing so, however, the adjuster shall scrupulously avoid any

suggestion calculated to induce a witness to suppress or deviate

from the truth, or in any degree affect their appearance or testimony at

the trial or on the witness stand. If any witness making or

giving a signed or recorded statement so requests, the witness shall be

given a copy thereof.

(k) An adjuster shall not advise a claimant to refrain from seeking

legal advice, nor advise against the retention of counsel to

protect the claimant’s interest.

(l) An adjuster shall not attempt to negotiate with or obtain any

statement from a claimant or witness at a time that the claimant

or witness is, or would reasonably be expected to be, in shock or

serious mental or emotional distress as a result of physical, mental,

or emotional trauma associated with a loss. Further, the adjuster shall

not conclude a settlement when such settlement would be

disadvantageous or to the detriment of a claimant who is in the

traumatic or distressed state described above.

(m) An adjuster shall not knowingly fail to advise a claimant of their

claim rights in accordance with the terms and conditions

of the contract and of the applicable laws of this state. An adjuster

shall exercise care not to engage in the unlicensed practice of law

as prescribed by the Florida Bar.

(n) A company or independent adjuster shall not draft, unless approved

in writing in advance by the insurer and such written

communication can be demonstrated to the Department, special releases

called for by the unusual circumstances of any settlement

or otherwise draft any form of release. Except as provided above, a

company or independent adjuster is only permitted to fill in the

blanks in a release form approved by the insurer they represent.

(5) Public Adjusters, Other Ethical Constraints. In addition to

considerations set out above for adjusters, the following ethical

considerations are specific to public adjusters.

(a) A public adjuster shall advise the insured and claimant in advance

of their right to choice of counsel to represent the insured

or claimant, and that such choice is to be made solely by the insured or

claimant.

(b) The public adjuster shall notify the insured or claimant in advance

of the name and location of any proposed contractor,

architect, engineer, or similar professional, before any bid or proposal

by any of these persons may be used by the public adjuster in

estimating the loss or negotiating settlement, and the insured or

claimant may exercise veto power of any of these persons in which

case that person shall not be used in estimating costs.

(c) The public adjuster shall ensure that if a contractor, architect,

engineer, or other licensed professional is used in formulating

estimates or otherwise participates in the adjustment of the claim, the

professional must be licensed by the Florida Department of

Business and Professional Regulation.

(d) A public adjuster shall not prevent, or attempt to dissuade or

prevent, a claimant from speaking privately with the insurer,

company or independent adjuster, attorney, or any other person,

regarding the settlement of the claim.

(e) A public adjuster shall not acquire any interest in salvaged

property, except with the written consent and permission of the

insured.

(f) A public adjuster shall not accept referrals of business from any

person with whom the public adjuster may conduct

business where there is any form or manner of agreement to compensate

the person, whether directly or indirectly, for referring

business to the public adjuster. Except as between licensed public

adjusters, or licensed public adjusters and members of the Florida

Bar, no public adjuster may compensate any person, whether directly or

indirectly, for the principal purpose of referring business to

the public adjuster.