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Insurance Company Settlement Tactics

Insurance companies have claims adjusters that are skilled negotiators and incentivized to deny, delay, confuse and refuse injury claims.

The goal for insurance companies is to make premiums and profits while limiting liabilities and payouts.

Therefore, insurance adjusters want to pay as little as possible on injury claims and settle them as quick as possible. Those suffering personal injury due to another’s negligence should be aware of these insurance settlement tactics.

Do Not Take the Low-Ball Offer!

It is common practice for insurance companies to attempt settling claims within 48-72 hours for a fraction of the true value of the claim. The goal of insurance companies is to settle claims before injured parties seek appropriate medical care, receive physical therapy or consultation with medical specialists and develop residual injuries over time.

Insurance Companies Want Quick and Cheap Settlements!

It is no surprise that insurance companies want to negotiate fast and cheap settlements. The faster the insurance company can settle the case, the less it will pay for medical bills, lost wages, out-of-pocket expenses, pain and suffering, permanent impairment and disfigurement, and consortium. In fact, it has become a common tactic of insurance companies to discourage injured parties from seeking a lawyer. If you are injured, do not take the bait!

Pay Attention to Details!

Many insurance companies will try and trick injured parties into settling the case even when the injured party did not agree to settle the claim! A recent call to Cowan & Hilgeman from a young lady injured in a car accident revealed that an insurance company paid her $300 for out-of-pocket expenses she incurred shortly after the accident and later argued that payment represented full and final settlement of her claims. Unfortunately, the young lady was mistaken as to the details of the payment and a recorded statement revealed the payment represented full and final settlement – despite not covering her medical bills, lost wages and pain and suffering!

You Need A Lawyer!

A skilled personal injury lawyer will make sure that the insurance company treats you fairly and pays you the compensation you deserve. It is important that your personal injury lawyer explain how to present a strong and supported claim for your compensation. For any additional questions regarding what makes a good personal injury case, click here.

The personal injury lawyers at Cowan & Hilgeman have recovered millions in compensation for our clients. Our lawyers create plans of attack for each case specific to the client’s needs and expectations. The lawyers at Cowan & Hilgeman handle claims involving personal injury, medical malpractice, nursing home negligence, product liability and wrongful death. We routinely recover compensation on cases that other law firms reject.

Cowan & Hilgeman offers free personal injury case evaluations and only get paid an attorney fee if we win your personal injury case.

Call 937-222-2030 to get your free case evaluation.

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Cowan & Hilgeman

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Cowan & Hilgeman

    
 
 
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   Abigail Arnett 
 32 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I first reached out 2 months after a car accident where the other party involved did not have insurance. She presented expired insurance to which the police department did nothing about. I was not in the wrong, and I was taken by ambulance after due to injury. I was worried due to the other party not having insurance, and medical bills hitting an all time high. I reached out to Jack and was immediately welcomed and felt like I was being taken care of from the start. I stated my concerns and we reached a conclusion which then started my case. I was spoken to clearly and felt genuinely cared for. Despite all the other lawyers reaching out to me after my accident, I chose to go with Cowan and Hilgeman due to the firms sincerity as well as being taken care of from the very beginning. I am very thankful to everyone I worked/talked with over the past year, and I am grateful we were able to sort everything out. I cannot begin to thank Jack for taking care of me and checking in throughout the case.
  
 
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   Alisa and William Hurtle 
 46 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Jack Hilgeman and the team at Cowan & Hilgeman were great to work with after my car accident. Jack jumped on my case last minute, right when I was up against a deadline and had just gotten a pretty disappointing offer from the insurance company. From there he walked me through everything — the paperwork, negotiations, mediation, all the way to getting it settled — and always kept me in the loop on what was going on. When the insurance company tried to lowball part of my claim, Jack pushed back and fought to get me a fair result. Dawn was also great to work with — she called regularly to keep me updated and on track, and she was really the face of the firm for me throughout the process. Everyone there was quick to respond and patient with all my questions. Really happy with how everything turned out — highly recommend Jack and his team.
  
 
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   Jennifer Born Rachek 
 185 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I reached out with some concerns about potential snow and ice injuries on our business property, and I’m so glad I did. My questions were answered clearly and thoroughly, which really put my mind at ease. I also appreciated how welcoming they were to any follow-up questions—it never felt like I was being a bother. I wouldn’t hesitate to reach out again for professional guidance in the future.
  
 
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   Angie Seraphinoff 
 188 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Jack Hilgeman was knowledgeable, responsive, and easy to communicate with throughout the process. He clearly cares about his clients and took the time to thoroughly answer all of my questions. I would highly recommend working with him!
  
 
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   Barbara Garcia 
 189 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Great communication and explanation to my questions. Appreciate the details and hearing directly from Mr.Hilgerman on the voice memo. Thank you!
  
 
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   Jess R 
 192 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Great advice, very helpful in all of my needs! Highly recommend!
  
 
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   lynn berry 
 193 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Very satisfied and they worked hard for me and did an exercise job!
  
 
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   McCall Gorbach Foster 
 194 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Mr. Hilgeman provides clear and thoughtful insight, delivered with professionalism and warmth.
  
 
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   Robert Apfelbeck 
 195 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Great lawyer response time very fast and very good at what he does jack hilgeman will be my next lawyer if i ever need another one thank you to cowen &hilgeman
  
 
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   B Lott 
 195 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I was looking for a lawyer and after so very rude and robotic law firms, I spoke with Jack about my case. He was very professional and personable and actually cared about my situation. I highly recommend his firm!