Car Accident Lawyer Strategies: Turning the Tables on Insurance Companies
When you suffer injuries in a car accident, you might believe that the insurance company will take care of you. However, insurance companies know they can improve their profit margins by paying victims less. They may balk at paying an injury award that reflects the severity of your injuries. A car accident lawyer can help you with insurance strategies to turn the tables on the insurer’s tactics.
Why Insurance Companies May Fight Your Claim
The first time you hear from the insurance company, the representatives may tell you they’ll help you receive a fair financial award. However, as the claim progresses, you may find that the insurer is doubting your version of the events or questioning the severity of your injuries.
Insurance companies can increase their profit margins by paying lower financial awards to accident injury victims. They may try to use a technicality found during their accident investigation to convince you that you were partially at fault.
With pressure from them regarding fault, they hope that you will accept a lower settlement offer just to receive something. In doing so, the insurer keeps its profits high.
Your car accident lawyers understand the motives of the insurance company. Such knowledge helps them develop strategies to counteract the insurer’s actions, attempting to maximize your insurance award in pursuit of fair compensation.
Contact our team today so we can fight to help you get the compensation you deserve.
Your Car Accident Lawyer Will Investigate the Crash
One thing we see repeatedly in traffic accident FAQs is the difficulty of determining who is at fault for the accident.
You can be sure the insurance company will perform its own investigation, looking for evidence that may show your actions played a role in the crash. If the insurance company can blame you for the crash and your injuries, you may see a reduction in your compensation or an outright denial of your claim.
However, you do not have to accept the insurer’s investigation as the final word. Your car accident lawyers will perform their own investigation, looking for evidence that shows you did nothing wrong or that your role was far less than the insurer is alleging.
Your legal representation’s experience performing investigations in accidents like this is an important benefit of hiring a car accident lawyer. Your attorney might:
- Study the police report
- Speak to witnesses
- Seek any security or traffic camera video that shows what led to the crash
- Ask accident recreation professionals for their opinion
- Access any data collection devices in the car or truck that show the actions of the other driver
- Access smartphone records to see whether the other driver was texting and driving
Proving liability through the lawyer’s investigation is a key strategy for countering the insurance company’s efforts to blame you.
Creating an Accurate Value for Your Claim
Because insurance companies want to reduce the amount they have to pay you, they frequently try to undervalue the hardships your injuries will cause. By assigning a lower value to your hardships, they can use a lower starting point for the settlement negotiation.
You probably have little to no experience with valuing injury claims on your own. The insurance company knows this, which is why it tries to undervalue your claim. It hopes you’ll accept the lower offer because you don’t know what your injury claim is truly worth.
One important service that your car accident lawyer provides is creating an accurate value for your claim. Your attorney could:
- Interview your doctors to determine your long-term emotional and physical hardships
- Talk with doctors about your employment prospects
- Interview your family members about the hardships you’re having
- Discuss any reduction in your quality of life
Your car accident lawyers then use this information and their experience with past cases similar to yours to develop an accurate valuation. This is a key strategy that your lawyers can use when attempting to maximize your financial award because it brings facts to the negotiating table against the insurer.
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Keeping the Claim Moving Forward
One technique insurers use to try to convince you to accept a smaller financial award is drawing out the process. Insurers may stall in hopes that you’ll become frustrated and just accept whatever award offer they make to you, even if it’s lower than what your injuries indicate you should have.
If you are unable to work, you may have significant worries about your family’s financial situation. After a long delay, it can be tempting to accept the insurer’s first offer to receive some money and get the process over with.
Insurance companies know this, which is why they deploy stalling techniques. The more desperate you are to receive a financial payment, the more likely you are to accept any amount they offer.
Your car accident lawyer takes every possible step to keep your case moving forward. We’ve seen the stalling tactics that insurers have used in our past cases, allowing us to work against them. The following are some of the strategies car accident lawyers may employ to put pressure on the insurer to treat you fairly:
- Being persistent: Your lawyer keeps in touch with the insurer, looking for a faster resolution.
- Producing facts: It’s more difficult for the insurer to stall when your lawyer has facts about your injuries and who is at fault for the accident.
- Being honest: Your lawyer should be honest with you about every step being taken and about the timeline for reaching a settlement. Achieving the highest possible settlement award for you can take some time, and your lawyer will prepare you for this.
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Let Accident Hotline Help With Your Injury Claim
Seeking a fair settlement from insurance in personal liability claims or car accident claims can be challenging on your own.
At Accident Hotline, we help individuals connect with car accident lawyers nationwide. We can provide advice when you suffer injuries in an auto accident and are wondering whether you have an injury claim. We offer 24/7 consultations.
Call us today at (844) 343-9609 for a free case review.
For a free consultation, call (844) 343-9609
Blog Posts:
The Role of Expert Witnesses in Injury Litigation
Why Expert Witnesses Matter in Personal Injury Cases In personal injury litigation, facts alone are often not enough. While evidence like medical records, photographs, and witness statements paint part of the picture, juries and insurance companies frequently need context and explanation to understand the full scope of an injury and its impact. This is where expert witnesses play a pivotal role. Expert witnesses are professionals—often doctors, engineers, economists, or accident reconstruction specialists—who provide testimony based on their specialized knowledge. Their objective is not to advocate for one side but to clarify complex issues that require professional interpretation. In many cases, their opinions help bridge the gap between evidence and understanding, making them critical to achieving fair compensation.
How Insurance Companies Evaluate Injury Claims
How the Evaluation Process Really Works When you file a personal injury claim, the insurance company begins a process that is anything but simple. Behind every offer or denial, there's a calculated evaluation designed to protect their bottom line. Insurers use data-driven methods, past claim outcomes, and internal guidelines to assess how much—if anything—they believe your case is worth. The goal of the insurance adjuster is straightforward: to settle your claim for as little as possible while closing the file quickly. They'll review your medical records, accident details, and even statements you've made to determine liability and damages. The more organized and detailed your claim presentation, the harder it is for them to undervalue it.
The Dangers of Handling a Personal Injury Case Without Legal Help
Understanding What's at Stake After an accident, it's natural to want to resolve things quickly. Medical bills begin piling up, your work may be disrupted, and insurance adjusters often seem eager to "help." Many people believe they can handle their personal injury claim on their own—especially if the situation seems straightforward. But personal injury law is complex, and even minor missteps can lead to significant financial loss. Without professional guidance, you may underestimate your claim's value, miss critical deadlines, or make statements that insurers later use against you. The legal process is designed to protect both sides, and insurance companies have experienced professionals working to limit payouts. Without an equally skilled advocate on your side, you're at a clear disadvantage. That's why consulting a personal injury lawyer early in the process is often the difference between fair compensation and a costly mistake.
When Should You Switch to a Different Injury Lawyer?
Knowing When It's Time for a Change Choosing the right attorney after an accident is one of the most important decisions you'll make in your recovery journey. However, not every lawyer-client relationship is a perfect fit. Sometimes, despite your best efforts, you may realize that your current representation isn't meeting your expectations. Whether it's poor communication, lack of progress, or a sense that your case isn't being handled effectively, recognizing when to switch attorneys can make all the difference in the outcome of your claim. Switching to a new personal injury lawyer doesn't mean starting over from scratch—it means taking control of your case and ensuring it receives the attention and effort it deserves. Understanding what to expect from your legal representation can help you identify the warning signs that it might be time for a change.
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