Myth vs Reality: Insurance Companies and personal injury claims

There are several common myths about why insurance companies aren’t “on your side” in injury claims. While some of these ideas have a basis in reality, they’re often oversimplified or exaggerated. Here’s a breakdown of the some common myths:

YOUR ADJUSTER IS ON YOUR SIDE

Myth: Your insurance adjuster is there to help you and get you the best settlement possible.

Reality: Insurance adjusters work for the insurance company, and their job is to save the company money. While they might seem friendly and helpful, they are trained to evaluate claims in a way that minimizes the company’s payout. This can sometimes feel like they’re working against you, even if their job is to determine the “fair” settlement.

YOU’LL AUTOMATICALLY GET A FAIR SETTLEMENT

Myth: Insurance companies will offer you a fair settlement based on your injury and medical bills.

Reality: The initial settlement offer from an insurance company is often lower than what you may be entitled to. Adjusters may offer a quick, low settlement in hopes that you’ll accept it before you fully understand the extent of your injuries or long-term medical needs.

THE INSURANCE COMPANY WILL COVER ALL YOUR MEDICAL EXPENSES

Myth: If you’re injured, the insurance company will cover all of your medical expenses without question.

Reality: Insurance companies generally cover medical expenses only up to the policy limits and according to the terms of the policy. However, they might not cover all medical treatments, or they may dispute the necessity or extent of certain treatments. Additionally, they often factor in things like “comparative negligence” (if they believe you share some fault for the accident) or may attempt to reduce the amount based on the “reasonable and customary” pricing for medical procedures.

YOU DON’T NEED A LAWYER IF YOU HAVE A STRONG CASE

Myth: If you have a good case, you don’t need a lawyer—just negotiate directly with the insurance company.

Reality: Even if you have a strong case, negotiating with an insurance company without legal representation can be difficult. Insurance companies often have skilled lawyers and adjusters working to protect their interests. A personal injury lawyer can help you understand your rights, evaluate the full extent of your damages, and ensure you don’t settle for less than you deserve.

If you or a loved one has been injured, call the personal injury experts – Fonvielle Lewis Messer & McConnaughhay. We have represented thousands of personal injury accident victims and are dedicated to helping you fight the big insurance companies to get the compensation they deserve!