One of the first questions that your Bloomington personal injury attorney will likely ask you is which insurance company is handling your claim. If it is a large, conservative insurance company, your Bloomington personal injury attorney may explain these philosophies.

Duty to Company

Insurance adjusters work for the insurance company. Therefore, their duty is to minimize the amount of money that they pay out on claims. Additionally, these adjusters may point out that they see a number of fake or exaggerated claims every year, so they must thoroughly investigate claims. They may also report that some Bloomington personal injury attorneys represent clients who exaggerate small claims so they cannot trust them.

Factors

A Bloomington personal injury attorney can also explain that there are many factors that insurance adjusters consider when processing a claim. They must closely scrutinize evidence, liability issues and the coverage that is available for each particular claim. Additionally, insurance adjusters must evaluate whether contributory negligence was part of the cause of the accident. If the victim had a pre-existing injury, this is also considered in the evaluation of the claim. An insurance adjuster may evaluate how the person’s social status may reduce the value of a claim, such as an individual being in poor financial condition or having a criminal background. Insurance adjusters from these companies often look into the plaintiffs’ claim histories to determine if they are litigious or had prior injuries.

If you would like to learn more about the philosophies of conservative insurance companies, contact McCarthy Rowden & Baker by calling 800-373-6050.