Negotiating with Insurance Companies

Below is an analysis of the car insurance companies you might be faced with in a car accident injury claim. In these pages, you will find inside information on how these insurers value personal injury claims. Learn what you can do to maximize the value of your claim.

Major Auto Insurers

More Auto and Commercial Insurers

Insurance Adjusting Companies

Trucking companies often self-insure so they act as their own insurance companies:

Common Truck Accident Defendants

Every insurance company has the same paradigm: receive as much money in premiums and pay out as little as possible.

But when it comes to negotiating a settlement or battling an insurance company in litigation, they are surprisingly very different. Each insurer charts a different course of action to meet their “take in a ton and pay out pennies” goal. So each company has a very different strategy in dealing with personal injury claims.

Why do you care how the insurance company chooses to approach your case? To maximize the value of your settlement or case, you need to understand how the company operates and thinks. You must know when the insurer is bluffing. Also, it is always best to know what the insurance company’s weaknesses are and how to exploit them.

There is one take-home lesson that extends to virtually every personal injury case regardless of who the insurance company is. You have to ask yourself whether you want your money fast or you want to get all of the money you possibly can out of your case. Because you are likely to get more money for your case if you file a lawsuit. This can be done quickly but it does take more time than a pre-suit out-of-court settlement. If you take your case to trial or if you settle on the courthouse steps, you are likely to get more than if you settle that case without filing suit. Is it worth it to you to wait? Only you can make that decision.

More Information to Help You With Your Claim
  • Do you want to maximize the value of your personal injury cases? Learn how to think like an insurance adjuster. If you see it from the adjuster's eyes, you can exploit their weaknesses and maximize the value of your case.
  • Is there a formula to determine the settlement value of my claim? The answer is absolutely yes. (And no.)
  • How long will my take case to reach a settlement?
  • Defeating insurance company's tricks is easier than you think
  • What to do after the insurance company denies your claim

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