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Home > Personal Injury > The Role of Insurance in Personal Injury Claims: What You Need to Know

Written by Jelena Tiemann and Peter B. Tiemann

Last Updated : June 2, 2025
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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:

  1. 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.
  2. 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.
  3. 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.
  4. Delaying Tactics – Some insurers drag out the process, hoping you’ll give up or settle for less. Legal representation can help move things along.

The Role of Insurance in Personal Injury Claims: What You Need to Know

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.

Categories: Personal Injury

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No one wants to have to hire a lawyer, but if you do. I prefer Tiemann Law. They helped a family member who was injured on the job, and the company did not want to compensate him even though, the injury occurred on the job on company time. Jelena was always professional in explaining the lengthy process of fighting a large corporation. 2 years later he finally is receiving the deserved compensation.

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Tiemann Law Firm helped us with an injury case for my nephew. They were very knowledgeable and we are very happy with the service they provided. The entire staff is topnotch!

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I was in a car accident a while back where I was injured and had to miss work for an extended period of time.  After nearly a year of fighting with the insurance company with no results and no progress, I met with Jelena Tiemann.  I couldn't have asked for a more responsive and supportive advocate.  We quickly reached a settlement and I finally was able to move from the stress and burden of feuding with my insurance.  I highly recommending meeting with Jelena if you're in need of a lawyer.

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The Tiemann law Firm has been very good to me ever since I walked in the door. James and Emily have been very responsive and professional and make me feel comfortable when I start to freak out a bit. Accidents can be pretty stressful and I feel like they’ve gone above and beyond. I’m happy that keep me up-to-date on how my case is going. I appreciate that they make me feel like a priority and that they take my case serious. I have already recommend them to a few friends and family members. God forbid I get into another accident, but if I do, I know exactly where to come for help.

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I was in a very bad/ major car accident I originally had an attorney who wasn’t trying to help me out much or take any of my calls so I called Tiemann and told them my situation. They made it an AWESOME and Smooth transition over to them and took on both cases I had. I just settled on my big case and am beyond great full. For them and their team! I highly recommend them. To add on to this a little On how much they will work with you, I moved to Montana in the middle of all Of this and it was not an issue!