No, not necessarily. If you disagree with the insurance company’s determination of fault after a car accident in Florida, you can: Speak to the insurance adjuster. If you think the insurance adjuster overlooked important evidence or made a mistake in their determination, you can talk to them directly or ask to speak with a supervisor or manager. Seek arbitration. If you can’t resolve the case with the insurance company, consider seeking arbitration. Arbitration is an alternative dispute resolution process where an independent arbitrator hears evidence and makes a decision that the parties agree to abide by. File a complaint. If the insurance company does not offer a fair settlement to resolve the case, you might also want to file a complaint with the Florida Department of Financial Services, Division of Consumer Services. This division mediates disputes between consumers and insurance companies. If you disagree with the court’s determination of fault after an accident, appealing the decision is your only option. An appeal is a formal request asking a higher court to review the decision of a lower court and ensure the lower court applied the law correctly. The appeals process is complex and time-consuming, and higher courts typically defer to lower courts whenever possible, so it’s important to work with a lawyer who can develop a clear and strong case to support your appeal.