How Does the Insurance Company Decide What Your Case Is Worth?

When representing injured clients, we approach every claim as a story that deserves to be fully told, not just plugged into a formula. But before that happens, the insurance company will take its turn trying to frame your case through its own lens. 

What’s My Case Worth?

That’s the question most accident injury victims want answered. The truth is, insurance companies don’t come up with one number. They build a range, and they always start on the low end. To them, it’s about minimizing payout while still appearing cooperative.

First, they’ll look at the obvious. Medical bills, lost wages, and repair costs are easy for them to quantify. But even here, they’re selective. They might argue that some treatments weren’t necessary or that you could have returned to work sooner. They may use software that assigns “values” to injuries without considering how your life has changed. No algorithm knows what it’s like to wake up in pain every day or to miss out on moments that matter.

Fighting to Avoid Paying Pain and Suffering Compensation

Next, they assign a value to what they call “pain and suffering.” That part of your case has no receipt but holds the most meaning. Unfortunately, this is where adjusters start playing defense. They’ll downplay the impact, especially if you didn’t receive treatment immediately or if there are gaps in your care. To them, a clean chart looks better than a real recovery.

The attorneys with Fadduol, Cluff, Hardy & Conaway P.C. know you’re not just a number on a spreadsheet. We focus on how the injury has affected your daily life, not just your medical file. You’ll have an accident injury lawyer who’ll work to understand what you’re going through – and an attorney who’ll present it in a way that makes adjusters reconsider their initial numbers.

Patterns, Not People: How Insurance Software Shapes Offers

Insurance companies use claims software to “predict” a case’s worth. These programs pull from past settlements and apply averages to new situations. You’ll be slotted into a category if your injury fits a pattern. If it doesn’t, you might be flagged as a risk. Either way, there’s little room for individuality.

These systems often overlook how injuries affect different people in different ways. A broken leg might sideline an office worker for a few weeks, but it could end a career for someone in construction. The software doesn’t see that. But we will. When you work with our team, your attorney will take time to show how your case isn’t average – and why it can’t be treated that way.

The Insurance Playbook

There’s a strategy behind every delay. Insurance companies often slow the process to wear you down. They know that if you’re out of work or facing medical bills, you might feel pressure to accept a lower offer just to move forward. That’s where having legal support makes a difference. When you have someone handling the pressure points, you can focus on healing, not second-guessing yourself.

A lawyer from our team will respond to these delay tactics with pressure of our own. When adjusters try to dissect your records, your accident injury attorney will counter with documentation that fills in the gaps they try to exploit. We won’t let them cherry-pick information to shrink your claim. We’ll broaden the picture to show everything you’ve been through – and everything they’re ignoring.

Adjusters Talk Numbers, We Talk Impact

To an adjuster, a sprain is a sprain. To you, it might mean months of missed work, sleepless nights, and mounting bills. The difference lies in perspective. That’s where we come in. When we take on a claim, we’ll look beyond the surface to ensure you’re not being shortchanged.

Your attorney will gather more than just medical records. They’ll talk with your doctors, review how your injuries affect your ability to do your job, and even speak with people close to you if needed. Your lawyer will build a case that reflects the full scope of your losses, not just the ones that come with a receipt.

You don’t have to settle for their version of your story. With the right legal support, you’ll have someone who presents your case with the depth it deserves.

Real Numbers Come From Real Stories

Insurance companies deal in patterns. We deal with people. When you ask, “What’s my case worth?”, the entire team at  Fadduol, Cluff, Hardy & Conaway P.C.  takes that question seriously. Schedule a free consultation with a Texas accident injury attorney by contacting us online or calling 800-433-2408, and let us tell you how we can help.

Frequently Asked Questions (FAQ):

Q: How do insurance companies determine what my case is worth?

A: Insurance companies look at medical bills, lost wages, and property damage, and often use software to assign values and create a range, usually starting low.

Q: Why is “pain and suffering” compensation often a point of contention with insurers?

A: Pain and suffering lack a direct receipt and are subjective. Insurers often downplay their impact to minimize payouts.

Q: What are some tactics insurance companies might use to reduce a settlement offer?

A: Insurers may delay the process to create pressure to accept a low offer, dissect records to find gaps, and discount the impact of injuries on your life.