Articles for Bad Faith Insurance

How Insurance Companies Evaluate Injury Claims

How the Evaluation Process Really Works When you file a personal injury claim, the insurance company begins a process that is anything but simple. Behind every offer or denial, there's a calculated evaluation designed to protect their bottom line. Insurers use data-driven methods, past claim outcomes, and internal guidelines to assess how much—if anything—they believe your case is worth. The goal of the insurance adjuster is straightforward: to settle your claim for as little as possible while closing the file quickly. They'll review your medical records, accident details, and even statements you've made to determine liability and damages. The more organized and detailed your claim presentation, the harder it is for them to undervalue it.

How Do I Prove a Bad Faith Insurance Claim?

Insurance, in many cases, is required by law. Common types of insurance include auto, disability, health, homeowners’, life, and renters’ policies. When you purchase insurance, you do so for the reassurance and security it brings, knowing that in the event of an accident, your losses, whether due to personal injury or property damage, are covered. Having insurance not only protects you but also provides compensation for the other party involved if you are at fault in an accident. There are times, however, when an insurer behaves unethically. There are steps you can take if you’re grappling with how to prove bad faith in an insurance claim, including contacting a bad faith insurance attorney. Good Faith Versus Bad Faith