How Insurers Evaluate Personal Injury Claims

Insurance adjusters review medical records, treatment gaps, property damage, and your statements to decide what a claim is worth. Gaps in treatment and inconsistent statements are the most common reasons offers come in low.

• Severity and duration of your injuries
• Medical bills and future treatment needs
• Lost income and earning capacity
• Clear evidence of who was at fault

An attorney documents each of these factors and presents them in a way adjusters cannot easily dismiss.