How insurance companies actually value your injury claim

Insurers don't value your claim the way you do. Understanding their math helps you avoid a lowball settlement.

They start with the hard numbers

Medical bills and lost wages are the baseline. If your treatment is well-documented and consistent, this foundation is strong.

Then they discount everything else

Pain, limitations, and the effect on your daily life are where carriers push hardest to pay less. Gaps in treatment, unclear records, or an early recorded statement all give them room to reduce the number.

The insider takeaway

The difference between a first offer and a fair result is often just preparation and pressure. Knowing the playbook — from the other side — is exactly the advantage a former insurance-side attorney brings.

This article is general information, not legal advice. Every case is different; contact the firm to discuss yours.