As a former insurance company attorney I got to learn the personality of the various insurance companies. Yes, that's right....personality. When I talk about their personality, I mean their attitude, character and likeability. Some insurance companies are, quite frankly, easier to deal with than other insurance companies. Some insurance companies just don't care if you file a lawsuit against their insured. Other insurance companies will do whatever it takes to settle the case.
Here are some examples, as they apply to Albuquerque, New Mexico.
Progressive Insurance is one of the only insurance companies with adjusters based in New Mexico with claims adjusters that are actually New Mexico residents. These adjusters are easy to talk to, understand New Mexico culture and really show an interest in trying to be fair to fellow New Mexicans in the valuation of cases. Progressive adjusters will often meet with our lawyers and our clients to get a real feel for the client and their claim. The handling of claims is more personalized, and there is a good liklihood that the claim will settle without a lawsuit.
Allstate, on the other hand, is now completely based in Dallas, Texas. There is no claims office in New Mexico. Their claims adjuster's attitude is, well, no better way to describe it but "Texan". The adjusters know little about New Mexico, and they never pronounce our Spanish names the right way. It often seems like the client is only a "claim number" rather than an actual person. They tend to make very low offers of settlment, don't want to personalize the claim and really appear not to care if the lawyer needs to file a lawsuit against their insured. That's why most claims against Allstate require a lawsuit to get the client the full value of their claim.
There are dozens of insurance companies selling insurance in New Mexico. State Farm, Farmers, Geico, Progressive, USAA, Fred Loya, Young America, Nevada General, Hartford and AAA are among the largest. Each has its own personality and attitude when evaluating cases.
Caruso Law Offices, PC has been handling car accident cases against these insurance companies and others since 1987. Understanding their personalities is extremely important in knowing how to get our clients the most money possible. Each claims adjuster has their own likes and dislikes, and each has a certain way they like to evaluate their cases. Some insurance companies pay extra when a Medical Doctor is involved in the case, and others substantially increase the amount when there is an ambulance. The differences are endless.
Attorney Mark Caruso used to work for the insurance companies before he began working for victims of personal injuries. As a former insurance company attorney he knows the ins and outs of the insurance claims business. That's why doctors, other attorneys, body shops and even insurance agents refer to Mark Caruso to handle their car accident claims.
Caruso Law Offices is located in Albuquerque, New Mexico and exclusively handles personal injury claims including car accidents, motorcycle accidents, trucking accident, bus accidents, pedestrian accidents resulting in personal injuries, brain injury, permanent injury and impairment and wrongful death. Offices are located in Albuquerque's North East Heights at 4302 Carlisle NE (Montgomery & Carlisle) and in Albuquerque's West Side at 2929 Coors NW Suite 310-E. Free one hour consultations with an attorney are available by calling 505-883-5000
Attorney Mark Caruso is a former insurance company attorney who now represents injured clients in their personal injury claims. He is a 1982 graduate of Pepperdine University School of Law and is a former State Representative in the New Mexico Legislature.