When a personal injury claim involves significant damages, insurance companies often take a calculated and aggressive approach to minimize their financial liability. High-value claims, such as those involving catastrophic injuries or long-term medical needs, are seen as a potential threat to insurers’ bottom lines. As a result, they may use tactics like disputing liability, downplaying the severity of injuries, or delaying the claims process to pressure victims into accepting lower settlements. Understanding these strategies is essential for protecting your rights and ensuring you receive fair compensation.
At Callahan & Blaine, we have decades of experience successfully handling high-value personal injury claims. With a proven track record of multi-million-dollar settlements and verdicts, we know how to navigate the tactics insurance companies use to limit payouts. Our team of seasoned trial attorneys builds compelling cases that hold insurers accountable, ensuring our clients receive the compensation they deserve. If you are facing a high-value claim, you can rely on us to provide the skill and advocacy needed to achieve the best possible outcome.
Strategies Insurance Companies Use in High-Value Claims
According to the National Safety Council, preventable injuries have become the fourth leading cause of death in the United States, with an American accidentally injured every second. Unfortunately, insurance companies often employ specific strategies to minimize payouts in high-value personal injury claims. The following tactics are designed to protect their financial interests while reducing the compensation owed to injured parties:
Disputing Liability
One of the most common strategies is challenging who is at fault for the injury. Insurance companies may argue their policyholder was not responsible or the injured party shares some level of blame. By raising questions about liability, they aim to reduce or eliminate their obligation to pay.
Downplaying the Severity of Injuries
In high-value claims, insurers may attempt to downplay the extent of your injuries or the long-term impact they will have on your life. They often hire medical experts to argue your injuries are less severe than reported or your injuries are primarily caused by a preexisting condition.
Offering Low Settlements Early
Insurance companies may offer a quick, lowball settlement in the hopes claimants, eager for financial relief, will accept less than what they deserve. These early offers are often far below the true value of the claim and are designed to prevent further negotiation or litigation.
Delaying the Claims Process
Prolonging the resolution of a claim is another common tactic. By delaying investigations, responses, or payments, insurers hope to pressure injured parties into accepting smaller settlements to avoid lengthy legal battles or financial strain.
Surveillance and Monitoring
In some cases, insurers may conduct surveillance on claimants to gather evidence that could be used to discredit their claims. This might involve monitoring social media or physical surveillance to find inconsistencies in the claimant’s reported injuries or activities.
How a Skilled Attorney Can Counter Insurance Company Tactics
Insurance companies approach high-value claims with strategies designed to minimize their financial responsibility. A skilled attorney anticipates these moves and implements strategies to ensure the insurance company treats your claim fairly. At Callahan & Blaine, we understand how insurers operate and use our experience to protect your interests at every stage of the process.
A key way an attorney counters insurance tactics is by staying ahead of their challenges. When insurers attempt to dispute liability or downplay the severity of injuries, a skilled attorney prepares a well-supported case that leaves little room for doubt. This includes compiling detailed medical records, securing expert testimony, and organizing evidence in a way that makes it clear your claim is valid and justified.
Timing and strategy are also critical in dealing with high-value claims. Insurance companies often attempt to delay resolution in the hopes you will settle for less. An experienced attorney maintains pressure throughout the process, ensuring the claim moves forward efficiently and settlement discussions remain focused on your needs. At Callahan & Blaine, we bring decades of negotiation and trial experience to the table, giving you an advantage throughout the legal process.
Let Callahan & Blaine Fight for the Compensation You Deserve
High-value personal injury claims can be complex and stressful, especially when insurance companies use tactics to reduce payouts. At Callahan & Blaine, we understand the challenges these cases present and have spent over 40 years successfully handling significant claims. Our team is prepared to counter every strategy insurers use, ensuring that your rights are protected and your case is presented with the strength it deserves.
With a proven track record of securing multi-million-dollar settlements and verdicts, we have the experience, resources, and dedication to guide you through every step of your claim. Whether through skilled negotiation or trial advocacy, our goal is to achieve the best possible outcome for you. Contact us today at (714) 241-4444 or fill out our contact form to learn how we can help you move forward with confidence.
