Settlement Negotiations Will Depend on the Insurer’s Policies and Philosophy
It may seem strange, but the process of negotiating with an insurance company for a personal injury case depends on the specifics of the insurance carrier and its policies and philosophy. Different companies take different approaches, and you may not understand exactly what kind of company you are dealing with. An Irvine personal injury attorney can help you understand the insurer you are negotiating with.
Claims adjusters in high-profile, large, national carriers tend to be very conservative and loyal to the philosophy of their company. They may seem stubborn or rigid, but you and your Irvine personal injury will not be able change their minds about being so conservative, it’s just in the company culture. Additionally, lower- and mid-tier adjusters have very limited authority, and every move they make is carefully scrutinized by supervisors and managers. So your Irvine personal injury attorney is really negotiating with their claims manager who likely has just as conservative a mindset. Such adjusters are fastidious in their work and have no problem researching a claim in depth and looking at prior medical treatments and tax returns.
Adjusters from small local companies can also be very conservative, because the companies don’t have as much revenue and only a small premium pool to use. A case of just $20,000 or $30,000 can be a very large case to these companies.
Conservative adjusters will not be swayed by documentation about pain, suffering, and loss of enjoyment of life. They only want to see hard figures and objective data.
If you have further questions about how to deal with an insurance company, contact dedicated Irvine personal injury attorney Samer Habbas at (888) 848-5084 for a free initial consultation.