Cases have different value depending on the amount of damages involved. Damages stem from medical bills, wage loss, and pain and suffering. Insurance companies evaluate claims by having a claims adjuster collect your medical records, review a police report, witness statements, and photographs to make a determination as to what type of case you have. The at-fault party will have a policy limit that is the most the insurance company will pay. The adjuster’s job is often to settle the case as cheaply as possible, so as to make a profit for the insurance company.
Different insurance companies will pay different amounts based on their experience with settlement and trial verdicts. It is important to have a law firm represent you that the insurance company respects. If they feel your attorney will not try a case, they may lowball your offer because there is no fear of a bad result.
