Do Insurance Companies Pay Injury Claims Fairly?

 Posted on April 09, 2025 in Personal Injury

So, you have been injured in an accident that someone else caused. In a perfect world, you could file a personal injury insurance claim and promptly receive a fair payment that covers all your financial and non-financial losses without any argument. In reality, insurance companies are businesses that focus on their own profitability. To do that, they will likely try to reduce the amount they pay you, or they could deny your claim outright.

Most insurers are large companies with teams of lawyers. You need an experienced Cook County, IL personal injury lawyer on your side to tip the scales in your favor.

How Do Personal Injury Claims Work?

In most personal injury cases, you need evidence proving that someone else was responsible for causing your injuries and related damages, whether through negligence or an intentional action. For example, negligent driving errors like speeding, tailgating, and failing to yield the right of way often cause accidents that produce injuries and deaths. An intentional act might be an assault. Medical malpractice, nursing home neglect and abuse, and premises liability cases also fall under personal injury, each with different types of negligence or intent.

If you were injured in a car accident, for example, you begin your pursuit of compensation by filing an insurance claim against the at-fault driver’s car insurance policy. You cannot simply accuse another driver of causing your crash and expect to be paid. The insurance company will investigate the accident. The company’s investigators not only look for evidence of the policyholder’s fault, but they also seek ways to place blame back on you. Anything an insurer can do to reduce the amount of money it may eventually pay you is often used.

If your claim is not denied, the company may:

• Offer a fast, low settlement that does not cover all your losses
• Blame you for more than your fair share of fault for causing your accident and injuries, as that could reduce or eliminate your payout under Illinois modified comparative negligence laws
• Watch you closely, looking for proof that your injuries are not as severe as you say they are
• Attempt to record a statement from you, intending to twist your words and use them against you
• Delay processing your claim
• Try to intimidate you into accepting a low settlement amount

If you trust that the insurance company is treating you fairly, you could be leaving yourself open for it to take advantage of you. The company’s representatives might seem friendly, but they are not your friends. Their job is to pay you as little as possible, not caring about how a minimal payment will affect you. You need an aggressive attorney to advocate for your best interests.

How Can a Personal Injury Lawyer Help Me Get a Better Settlement?

We know the kinds of evidence needed to support your claim, and we know how to find it. We know how to calculate how much your case is worth and the ways insurance companies try to reduce that amount. We will not let an unfair share of blame fall on you. We will negotiate for the maximum amount of compensation you are entitled to. If the insurance company refuses to negotiate, we are prepared to take your case to trial. Insurance companies and their lawyers do not intimidate us. We will do all we can to simplify the process for you so you can focus on your recovery.

Call Our Skilled Mount Prospect, IL Personal Injury Attorney

When you are injured, the last thing you need is to fight endlessly with a greedy insurance company. Let the dedicated Arlington Heights, IL car accident lawyer at Adler Law Offices, LTD take the appropriate actions on your behalf. Call 312-236-2700 or send an online message to schedule your free consultation today.