How Claims Actually Work
Don't Get
Played.
Insurance companies are businesses — their profit comes from paying out as little as possible. Adjusters are trained to get quick statements, downplay injuries, and push fast settlements before you know the true cost of your accident.
Here's how to file your claim the right way:
- Report promptly — Notify your own insurer within 24-48 hours.
- Stick to facts — Date, time, location, parties involved. Don't speculate or admit fault.
- Avoid recorded statements to the other driver — Anything you say can be used to reduce your payout. Refer them to your attorney.
- Document everything — Photos, medical bills, repair estimates, lost wage statements.
- Don't accept the first offer — Initial offers are almost always lower than fair value.
- Get an attorney before signing anything — Once you sign a release, you can't go back, even if injuries worsen.
01
Get Your Free Case Review
Before you talk to any insurance adjuster, get a free evaluation. We'll tell you what your claim is really worth.
02
Attorney Handles the Insurance Company
Your attorney communicates with insurers directly — so you don't say something that hurts your case.
03
Maximum Settlement, Zero Upfront Cost
No win, no fee. Your attorney fights for the full value of your claim — medical, lost wages, pain and suffering.