What Does the Insurance Company Really Think My Case Is Worth?

Sep 7, 2022 | Personal Injury

Insurance agent reviewing Insurance Policy with his client

The perceived value of your injury claim will depend on what evidence is available to the insurance company. In most cases, the value of a claim will be determined by the amount of property damage and medical bills associated with the accident.

That said, the claims adjuster might look for ways to limit the company’s expenses by challenging some of the expenses or limiting non-economic damages, such as pain and suffering. But these are often complex matters with conflicting points of view and potentially life-changing results. 

What Is the Claim Adjustment Process?

Once you open a claim with the insurance company, it will trigger a chain of events. The company will assign a claims adjuster to your case. Then the claim adjuster will begin investigating what happened.

This includes collecting the police report (if there was one), talking to witnesses, reviewing video footage (if there is any), and getting a cost analysis of the property damage.

The claim adjuster will also try to talk to the individuals involved. In the case of a car accident, this includes all drivers and passengers involved in the accident. In the case of a slip and fall accident, it would be talking to the victim and the property owner.

Depending on the type of claim it is, there might be other aspects of reviewing the claim. Once the adjuster has completed their assessment, they will submit a claim approval or denial. 

In some cases, the denial is due to the finding that another party was liable for the accident. Or the denial might be due to the adjuster finding that the victim was guilty of contributory negligence. 

What Does a Claim Adjuster Do?

Claims adjusters evaluate property damages to determine the cost of repairing them. They also review injury claims to determine how much the insurance company is liable. To reach their assessment value, they’ll inspect the location of the incident, and any property involved and review documents such as medical bills or statements from medical professionals.

What Is Contributory Negligence?

The legal doctrine in Virginia is contributory negligence. That means that if the courts find that the victim was even minimally at fault for their injuries, they cannot recover any damages for those injuries. 

In the case of a car accident, it could be as simple as the police report listing that the victim had been going over the speed limit at the time of the accident. Or in the case of a premises liability claim, it could be because the victim was distracted and looking at their phone at the time of a slip and fall accident.

Hiring an attorney can help you avoid accusations of contributory negligence or challenge an adjuster’s findings. Presenting strong evidence can prevent a claim denial so you don’t have to appeal the decision.

Connect With an Insurance Claim Lawyer

You should work closely with an attorney. Your attorney will work directly with the claim adjuster and guide you in saying and doing the right thing to protect your claim and your finances. 

For a free consultation, contact Geoff McDonald & Associates. Our team features experts who know how to work with insurance companies to ensure victims get fair compensation.

Geoff McDonald and Associates: 804-888-8888.


No Fees Unless We Win

    What a Demand Package Is in a Virginia Personal Injury Case

    Some careless driver has hit your car, and naturally, you expect a hefty settlement for the trouble they’ve caused you. However, you can’t simply call the insurance company and ask for a bag of cash. First, your attorney will need to prepare a demand package. What is...

    5 Reasons Personal Injury Lawyers in Virginia Go to Court

    If you’ve had an accident, you probably expected the insurance company to send you a settlement check right away. Cue shock and disappointment when insurance decides to play hardball. An adjuster may throw you a low settlement offer, or they may refuse to pay for...

    Will My Insurance Go Up If I Hire an Injury Attorney?

    Car accidents can be costly – both to your health and your finances. When another driver is responsible for the crash, it’s important to ensure your rights are protected. While you will typically seek compensation from the other driver’s insurance company, the...

    Benefits of Hiring a Slip and Fall Attorney in Virginia

    Slip and fall accidents can cause serious injuries that impact your daily life and affect you for years. After an accident, you should focus on your recovery and let an experienced lawyer handle the details of your personal injury claim.  Often, these accidents occur...

    Our Case Results

    Industrial Plant Accident

    Attorneys for the Plaintiff: Jeffrey A. Breit and Justin M. Sheldon Our client was killed in an industrial accident when an unauthorized worker was operating an overhead crane and pinned our client between…

    Rear-End Crash

    Our client suffered a traumatic brain injury, facial trauma, a dislocated hip and severe abdominal trauma when she was rear-ended at a traffic light by a tractor trailer. Suit was commenced shortly after…

    Assault of Log Truck Driver

    Attorneys for the Plaintiff: Geoffrey R. McDonald, Frank H. Hupfl, Justin M. Sheldon.
    Our client suffered a traumatic brain injury after being assaulted and knocked to the ground while fueling his logging…

    Drunk Driving Crash

    Our client suffered neck/head trauma and a broken wrist after his vehicle was struck by a drunk driver while he was stopped at a traffic light. Upon rejection of a settlement offer of $325,000, our litigation…

    Rear-End Collision

    Attorneys for the Plaintiff: Justin M. Sheldon and Geoff R. McDonald, Richmond
    GMA’s client was injured as a result of a rear-end collision in the greater Richmond area. The crash occurred a little after…

    Client Reviews

    Cheryl and Rich were wonderful and patient with me throughout the case. All of my questions were answered. They really helped me through this tough time and made sure to let me know what was going on. I really thank Geoff…

    Troy Saxby

    My experience with GMA staff was first rate. They always represented in a professional way and made sure I had everything as far as paperwork. Kara and Theo made sure to answer all my questions, was always available and so…

    Shirley Brown

    Geoff McDonald & Associates is the team that you want on the field if you’re in need of top notch legal defense! Mr. Taj Henley demonstrated true customer service skills and his expertise made me feel comfortable throughout the…

    Julian Reeves

    Geoff McDonald & Associates: Thank you Taj Henley for all of your hard work and dedication! Very expeditious in my case and I was very satisfied with my settlement. Will recommend to all my friends and family!

    Shareema Williams

    Geoff is number one in my book and I especially appreciate the support of Mr Henley

    Ebony Conwell

    I was so pleased with the knowledge and support from Mr. Taj Henley

    Kideem Frierson

    Thank you Geoff McDonald &Associates. A special thank you to Mr. Taj Henley

    Denise Conwell

    Mr. Taj Henley displays exceptional professionalism for Geoff McDonald & Associates, along with commendable communication skills and customer service. By his work ethic and commitment to the people he serves his value to any…

    Justin Fitzgerald