Southern California Accident Blog

Don’t Let the Insurance Adjuster Intimidate You

If you have been in a Southern California accident, there is a good chance you have already been contacted by the insurance company.  You may even be working with an insurance adjuster to obtain your settlement.  It is important to understand the role of the insurance adjuster and your right to negotiate a fair settlement.

The first thing you need to remember about the insurance adjuster is that this person is an employee of the insurance company.  The adjuster will be working on protecting the interests of the insurer and not yours.  That means that when it comes time for the settlement, there is a strong probability that you will be offered a settlement that is below what your case is worth.

Do not let the insurance adjuster intimidate you and do not hesitate to challenge the settlement offer.  You should back your argument with documentation that you feel proves that you should receive more.  It is a good idea to work with a Los Angeles injury lawyer who will be able to negotiate on your behalf.  Experienced accident attorneys know what insurance companies are looking for and can help you receive the compensation you deserve.

Contact Steinberg & Spencer Injury Lawyers at 1-800-350-8888, if you have been injured in an accident in Los Angeles, Orange County or the counties of San Diego, Riverside, San Bernardino and Ventura.

Top Ten Worst Insurance Companies

The American Association of Justice (AAJ) put together a list of the worst insurance companies in America, based on several factors.  Allstate is at the top of the list, despite its commercials promoting to consumers that they are “in good hands."

Allstate wasn't the only insurer to be named the worst in the country, Unum, AIG, State Farm, Conseco, WellPoint, Farmers, United Health, Torchmark and Liberty Mutual were also listed. 

AAJ based its rankings on such things as claim denials, increased premiums and low settlement offers.  Researchers reviewed thousands of court documents and records from the Securities & Exchange Commission, as well as FBI documents and information from state departments.  They even took into consideration news reports and testimony from former agents and insurance adjusters.

One of the conclusions is that insurers place a higher emphasis on the bottom line than on policy holders.  By denying claims, increasing premiums and offering low settlements, these insurance companies are able to hold on to more of their money, even though their customers have to pay the price.

If you have been injured in an Orange County accident, you should contact Steinberg & Spencer Injury Lawyers at 800-350-8888 for legal advice.  The Los Angeles injury lawyers will make sure that you are treated fairly by the insurance company.