A Macon County Personal Injury Lawyer Discusses How Adjusters Use Colossus to Lowball You

Your Macon County personal injury lawyer is aware that a computer program called Colossus is used by over half of all U.S. insurance companies to determine whether a supposed claim value is fair. However, even though insurance carriers insist the program is impartial, the truth is that biases and flaws abound.

Flaws in the Colossus Program

The major flaw of the program is its bias against injuries involving soft tissues. If your injury involves soft tissue, which the majority of claims do, Colossus will view your complaint as “subjective” and lower its value. Additionally, your Macon County personal injury lawyer is aware that the insurance adjuster uses Colossus to make a determination as to which medical bills are necessary. The most common bills for soft tissue injuries are typically for chiropractors, which are unfavorably regarded by Colossus.

Your Macon County personal injury lawyer is aware that insurance companies also attempt to decrease your claim’s value by using Colossus to make determinations of the following:

  • Estimates of various injury costs
  • Whether or not the claimant’s lawyer will proceed to court if an inferior offer is received
  • Whether or not the claimant’s lawyer typically takes the insurance carrier’s best offer
  • The legal climate of the relevant jurisdiction

However, your Macon County personal injury lawyer will advise that Colossus cannot be used to take into consideration the following factors because a computer is fundamentally unable to understand human suffering and loss:

  • Pain
  • Stress
  • Inconvenience
  • Lost consortium
  • Lost enjoyment of life
  • Lost participation of activities most enjoyed by claimant
  • Any other factors of suffering or loss

Paradoxically, this inability sometimes benefits a claimant whose injury does not significantly impact him or her. Colossus may incorrectly determine a greater impact and higher claim value for certain injuries. However, this is not the norm. Therefore, your Macon County personal injury attorney must be able to clearly articulate your particular case, or prepare to battle the insurance carrier and file suit. The very issues that Colossus does not value are the issues that may resonate most strongly with the judge and jury.

Contact a Macon County Personal Injury Attorney Today

If you have a personal injury claim and would like help in dealing with the insurance company and adjuster, please contact the law offices of McCarthy Rowden & Baker at 800-373-6050 to request a free consultation with a knowledgeable Macon County personal injury attorney.