Being in an auto accident is hard enough; being taken advantage of by an insurance company after the fact adds another layer of stress. Most people are expecting to get fairly paid for their medical bills, lost time at work, and pain when they deal with the insurance company. But what do most people get? An amount much less than what they deserve to be paid.
Peachtree Corners, Georgia, is a growing suburb in Gwinnett County, just north of Atlanta. The city is known for its family-friendly neighborhoods, parks, and busy commercial areas, making it a hub for both residents and businesses. With heavy commuter traffic and bustling streets, accidents are unfortunately a common part of life here.
That’s why having the right legal support matters. Many victims rely on an experienced Peachtree Corners personal injury lawyer to ensure they get the compensation they deserve. In this article, we’ll explore five key reasons why insurance companies often undervalue injury claims, and what you can do about it.
1. Profit Comes First
Insurance companies aren’t charities. They’re businesses built to make money, and every dollar paid out cuts into their profit. When you file an injury claim, an adjuster’s job is to save the company money—not to make sure you’re okay. That means they’ll look for ways to reduce your payout, question your injuries, or suggest that your medical care was “excessive.”
2. They Count on Your Lack of Experience
Most people don’t file injury claims often. Insurance companies know this. They expect you to be unfamiliar with medical documentation, liability rules, or negotiation tactics. An adjuster might sound friendly, but their questions are often designed to get you to say something that weakens your claim.
For example, if you tell them you’re “feeling better,” they might use that to argue that your injuries weren’t serious. Without someone experienced on your side, it’s easy to accept less than what your claim is worth.
3. Delays Wear You Down
Time is a tactic. Many insurers drag out the process, hoping you’ll give up or settle quickly out of frustration. They might “lose” paperwork, request duplicate documents, or take weeks to return calls. Meanwhile, bills pile up.
The longer it takes, the more desperate you might feel for any kind of payout. It’s a pressure strategy, and it often works. Studies have shown that injured individuals who hire attorneys to represent them in their personal injury claims settle for 3.5 times as much money as individuals who don’t hire attorneys to assist them.
This difference is significant and shows that delays and pressure applied by insurance companies will significantly reduce the final settlement amounts received by injured parties.
4. They Ignore Your Long-Term Health Issues
Most insurance companies only consider the costs associated with the immediate medical treatment of the injuries sustained. They fail to take into consideration the long-term health issues that may occur, such as continued therapy, limited future mobility, or loss of income due to injuries sustained in an automobile accident.
For instance, if you’ve been injured in an automobile accident and you’ve sustained a back or neck injury, it’s likely that you will experience pain again many months down the road. Without proper documentation and expert input, those future costs get overlooked.
The goal is simple: pay for what’s on paper today and skip what might appear tomorrow.
5. Algorithms and Data, Not People
Some insurers now use software to estimate payouts. These programs crunch data from thousands of past claims, producing numbers that may not reflect your unique situation. It’s faster and cheaper for them—but it can undervalue serious injuries. You’re reduced to a data point in a system built to limit losses.
Key Takeaways
- They protect profits, not people.
- They rely on your inexperience.
- They delay to pressure you into settling.
- They downplay long-term costs and pain.
- They use algorithms that miss the human side of injuries.
Peyman Khosravani is a global blockchain and digital transformation expert with a passion for marketing, futuristic ideas, analytics insights, startup businesses, and effective communications. He has extensive experience in blockchain and DeFi projects and is committed to using technology to bring justice and fairness to society and promote freedom. Peyman has worked with international organizations to improve digital transformation strategies and data-gathering strategies that help identify customer touchpoints and sources of data that tell the story of what is happening. With his expertise in blockchain, digital transformation, marketing, analytics insights, startup businesses, and effective communications, Peyman is dedicated to helping businesses succeed in the digital age. He believes that technology can be used as a tool for positive change in the world.
