Clear Answers. Grounded in Real Cases.

Learn how claim outcomes vary using data from 9,000+ cases.

GET STARTED

How Our Service Works

Learn What Your Claim Could be Worth

Answer a few simple questions about your auto accident online.

Speak with Our Team Over the Phone

Verify your accident details and claim information with our representatives over the phone.

Get a Copy of Your Accident Report

Learn how to obtain your accident report. Insurance carriers will ask for it when you file a claim.

Connect with an Auto Accident Attorney

Talk to an attorney who may be able to discuss your situation and the factors that could affect your potential compensation.

Learn About Your Claim Potential

Our team can help connect you with an independent attorney to review the claims process and your available options.

LEARN MORE

Understand the Tactics Insurance Companies Use That May Impact Claim Settlements

Initial Lowball Offers

Some insurance companies may offer an initial settlement that is lower than what a claimant expected. Individuals facing financial stress may feel pressured to accept an early offer for quick resolution. It can be helpful for claimants to understand that timing and circumstances can affect settlement discussions, and an attorney can explain available options during a consultation.

Full Medical History Requests

Insurance companies may review a claimant’s medical history as part of evaluating a claim. In some cases, prior medical records may be cited to suggest that certain symptoms existed before the accident. An attorney can help review these issues and provide guidance during a consultation.

Recorded Statement Coercion

Insurance companies may request a recorded statement early in the claims process, sometimes soon after the accident. Providing a statement at that time may limit what a claimant is able to add later. Claimants may wish to speak with an attorney first so they can better understand the process before responding to insurance questions.

Denying Claims

Some large insurance companies have been the subject of public criticism and regulatory scrutiny over claim practices. In certain situations, consumers have alleged that valid claims were denied or that internal performance goals influenced claim decisions. These reports highlight why it can be important for individuals to understand the claims process and consult with an attorney if they have questions about a denial.

Delaying Claims

Many insurance companies have been reported to take significant time to review and process claims, and delays can be frustrating for policyholders. Some investigations and consumer complaints have highlighted concerns about how long certain claim files remain pending. Understanding how timing can affect a claim may help individuals know what questions to raise during a consultation with an attorney.

Confusing Language

Insurance policies can contain complex or highly technical language that many consumers find difficult to interpret. Several states have enacted ‘plain-language’ requirements to help make policy terms easier to understand. Even so, individuals may still have questions about coverage provisions, and an attorney can assist in reviewing those questions during a consultation.

Understanding Your Rights in the Insurance Claims Process

According to the American Association for Justice (AAJ) report: “Tricks of the Trade: How Insurance Companies Deny, Delay, Confuse, and Refuse,” some insurance industry practices have been identified as potentially problematic, including:

Allegedly denying valid claims and implementing performance metrics related to claim denials.
Allegedly delaying claims processing in ways that may disadvantage policyholders.
Using complex policy language that may be difficult for consumers to understand.
Using credit-based insurance scores as a factor in determining premiums and insurability.
Rescinding policies under certain circumstances when claims costs increase.
Non-renewing policies in some cases following claim inquiries.

How Much Do Consumers Trust Car Insurance Companies?

High Trust

Mid Trust

Low Trust

According to a J.D. Power report, only 15% of auto insurance customers say they have high levels of trust in the company covering their vehicle. Another 34% have “mid levels” of trust, while 51% report having little trust in their car insurance provider.
[Source: J.D. Power 2024 U.S. Auto Insurance Study – specific publication date and methodology details available at jdpower.com]

1. Take 30 Seconds to Complete an Online Car Accident Questionnaire

To get started, simply answer a few questions about the details of your accident. We will then reach out to you via phone to confirm your accident details and understand where you are in the process.

2. Receive a Free Consultation

After confirming your claim information, we’ll then help you request a copy of your accident report and if you choose, connect with an independent car accident attorney for a free consultation.

Access claim compensation data based on historical case outcomes.

Get a free claim consultation from an independent attorney.