The Role of Insurance Companies in Personal Injury Cases: What You Should Know

The Role of Insurance Companies in Personal Injury Cases: What You Should Know

When you’re injured in an accident, dealing with the aftermath can be overwhelming. Medical bills, lost wages, emotional distress, and uncertainty can take a toll on your well-being. Many personal injury claims face pushback from insurance companies that try to minimize or deny compensation. At Di Renzo & Bomier, we know how to challenge these tactics and fight for the benefits you need, including compensation for lost wages, medical expenses, and pain and suffering.

How Insurance Companies Handle Claims

Insurance companies operate as businesses and their primary goal is to minimize profits. When you file a claim, the insurance adjuster assigned to your case will investigate the details and assess liability to determine the amount they believe is appropriate for settlement. This process typically involves:

• Reviewing the accident report to establish fault.

• Assessing medical records and bills to verify the severity of injuries.

• Calculating lost wages and damages related to the accident.

• Negotiating a settlement offer based on their evaluation of your claim.

While this seems like a straightforward process, insurance adjusters are trained to minimize the amount they pay out, which can leave injury victims with far less than they deserve. At Di Renzo & Bomier, we know how to push back against these strategies and ensure your claim is handled fairly.

Tactics Insurance Companies Use to Minimize Payouts

Insurance companies use several strategies to reduce the amount they pay on claims.

• Quick Lowball Offers – Insurers may offer a fast settlement before you fully understand the extent of your injuries. This initial offer is often much lower than what you are entitled to.

• Disputing Liability – The insurer may try to shift blame or argue that you were partially at fault to reduce their payout.

• Questioning Medical Treatment – They might claim your injuries are not as severe as reported or argue that certain treatments were/are unnecessary.

• Delaying the Claims Process – Prolonging negotiations can pressure you into accepting lower settlements out of financial desperation.

• Using Statements Against You – Anything you say to an adjuster can be used to devalue your claim. Even seemingly harmless comments can be used against you to suggest your injuries are not severe.

Why Legal Representation is Essential

Facing insurance companies without legal support can be an uphill battle. Our knowledgeable attorneys at Di Renzo & Bomier can level the playing field by protecting your rights and ensuring you don’t fall victim to unfair tactics and bad-faith practices. We gather strong evidence from medical records to witness statements to strengthen your claim. Our attorneys handle your claim negotiations for you, so you don’t have to face the lowball offers or unfair tactics. If an insurance company refuses to offer a fair settlement, we are prepared to take the necessary measures to get you justice and a fair settlement.

Insurance companies are not on your side when it comes to personal injury claims. Their goal is to protect their bottom line, often at the expense of accident victims. At Di Renzo & Bomier, we understand how to fight back against these tactics and help you receive the compensation you need. If you or a loved one has been injured due to someone else’s negligence, don’t navigate the claims process alone—consult with our attorneys today and let us fight for your rights.

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