THE SYSTEM IS SLANTED TOWARDS LOW RECOVERIES
Insurance companies are a large beaurocracy devoted to collection of premiums and reduction of claim exposure. Put another way, experienced insiders have pointed out that the insurance industry's approach to handling insurance claims is to delay, deny and defend. The insurance industry is part of the financial services sector of the economy, not the 'do the right thing for the consumer' sector. Therefore, accident victims are up against a very large industry whose concern is to maximize profit and minimize payout. People injured in motor vehicle accidents, car accidents or otherwise need to have an experienced attorney who knows the system if serious about working within that system to make it churn out a result that is in their favor.
AGGRESIVE CLAIM PRESENTATION REQUIRED
I practice personal injury law in Massachusetts and New Hampshire. Motor vehicle claims and in fact all claims for injuries require aggresive claim presentation by an attorney with experience in dealing with insurance companies.
THE INSURANCE ADJUSTER - YOUR "FRIEND?" It is true that claims adjusters very early in a claim will encourage injured persons to deal directly with the insurance company, and discourage them from retaining counsel. Adjusters will pose as a 'friend' and discourage looking for legal assistance. What the adjuster is not telling those who have been injured is that the insurance industry's own materials indicate that once an attorney is brought in, the value of a claim increases twofold or more.
DO NOT FALL FOR INSURANCE COMPANY TACTICS DESIGED TO REDUCE YOUR SETTLEMENT
Those who are in fact serious about maximizing their recovery after they have been injured, should say to the insurance company that all further communication will be with the experienced personal injury attorney in their jurisdiction that they have retained.