Posted on Monday, June 2nd, 2025 at 10:40 am
When you’re injured in an accident, dealing with the aftermath can be overwhelming. Medical bills, lost wages, and emotional stress are just the beginning. One of the most critical and often confusing aspects of a personal injury claim is dealing with insurance companies.
Below, Tiemann Law Firm explores the impact of insurance companies on personal injury cases and the importance of having skilled attorneys on your side.
How Insurance Impacts Personal Injury Cases
Most personal injury claims, whether from car accidents, slip and falls, or dog bites, are paid through insurance policies, not directly out-of-pocket by the person at fault. Common types of insurance involved include:
- Auto Insurance – Covers injuries in car, truck, and motorcycle accidents.
- Homeowner’s or Renter’s Insurance – Covers injuries that occur on private property.
- Commercial Liability Insurance – Applies when injuries happen at a business.
Once a claim is filed, the insurance company investigates the incident and may offer a settlement. However, their main goal is to minimize payouts.
Common Insurance Traps to Avoid
Insurance companies often use tactics to reduce or deny valid claims:
- Quick Settlement Offers – Insurance adjusters may offer a lowball settlement quickly after the accident. These offers often don’t cover long-term medical costs or lost income.
- Recorded Statements – They may ask for a recorded statement, hoping you’ll say something that hurts your case. Always speak with a personal injury attorney before giving a statement.
- Blaming the Victim – Insurance companies may try to shift blame onto you to reduce or deny your claim. An experienced attorney can push back with solid evidence.
- Delaying Tactics – Some insurers drag out the process, hoping you’ll give up or settle for less. Legal representation can help move things along.
Why You Need a Personal Injury Attorney
Insurance companies have teams of adjusters and lawyers. You deserve someone on your side, too. An experienced personal injury lawyer can:
- Handle all communication with the insurer
- Build a strong case with medical records and evidence
- Negotiate for full and fair compensation
Knowing your rights and working with a skilled attorney can help ensure you get the compensation you deserve. If you or a loved one want more information about pursuing a personal injury case, contact the personal injury attorneys of Tiemann Law Firm for guidance and advice. Call us today to set up a free, same-day consultation at (916) 999-9000.
