Company's tend to be held to a standard requiring Good Faith in settling claims. Bad Faith can cost them greatly.
Be mindful of Florida case law, including Baxter v. Royal Indemnity Insurance Company, 285 So. 2d 652, wherein the court imposed the duty of good faith and fair dealing in cases of injury where it is obvious the responsible party(s).
Also be aware of the Florida Insurance Code as well as Florida Statutes such as §624.155, which requires a good faith, prompt, fair and equitable disposition of a claim where liability is reasonably clear.