Getting a fair offer from the insurance adjuster on your own

San Diego personal injury and car accident lawyer discusses obtaining a fair offer from the insurance adjuster I probably don’t even have to tell you that getting a reasonable offer from the insurance companies on your own is tough. The insurance companies aren’t in the business of paying out as much as they can. On the contrary, they’re out to pay as little as they can. If they can get you to accept $1,000 when you might win $10,000 or more from a jury, that’s a huge win for them. They have endless amounts of data from many trials and settlements. They have a good idea what you would win in a jury trial (although there are always surprises). They also know that if they can get you to accept a lower amount in settlement, they’ll have great numbers to tell their supervisors and managers. So if you’re in a … Read More

Swimming With Sharks: Dealing with Insurance Companies, Adjusters and Defense Attorneys

I battle insurance companies, adjusters, and defense attorneys on a daily basis. I battle them to fight for justice for my clients, injured victims in accidents caused by someone else. After spending years battling insurance companies and their hired defenders, I learned that they have a playbook that is remarkably similar across all insurance companies, and the many different adjusters and attorneys. The playbook can be boiled down to 3 words: Delay. Deny. Defend. In order to maximize profits, insurance companies will gladly take your insurance premiums every single month. But when it comes time to file a claim they will Delay processing of your claim. Delay payment of your claim. Deny your claim. Defend against your lawsuit. Most adjusters and defense attorneys are not bad people. Some are, but most are not. But they have a directive they must carry out. So it leads them to do some very … Read More

The insurance company adjuster is calling you, and they want to “talk.” Do you answer?

The insurance company adjuster is calling you, and they want to “talk.” Do you answer? No. Ok, you can answer the call. But there is no need to tell the insurance company anything. The insurance company is calling you for one thing. To figure out how they are going to minimize any payments to you. That goes for the other driver’s insurance company, as well as your own insurance company. Yes, your own insurance company knows there is often a chance they will have to pay you for your injuries as well. If you carry Uninsured Motorist Coverage, your company may be on the hook to compensate you for your medical bills and pain and suffering. So when your own adjuster calls you, go ahead and answer. But be very careful what you say. Eventually you may be required to give a statement under the terms of your policy. But … Read More

Are you fighting Mercury Insurance in your car accident case?

Were you involved in an accident where the other driver has Mercury Insurance? Be prepared for a big fight. In a bad faith action against Mercury, it was revealed that first line adjusters at Mercury have only $2,500 authority. Their supervisors had $10,000 authority. The only person who had authority at $50,000 or above was the regional manager who supervises all of Southern California, Arizona and Florida. What does authority mean in a car accident case? When an adjuster gets your file, they evaluate the case, and set a “reserve.”  A reserve is what they think the case is worth, and will not offer any more than that, without getting permission from someone more senior than them. But, there is a cap on what they can set their reserve at. This is the “authority.” If they evaluate a case and think the case is worth $7,500.00, but their authority is only $2,500.00, … Read More