Did you know that most claims adjusters begin their analysis with pre-printed forms that categorize certain factors to justify their typically low offers. The forms don't take into account any extenuating circumstances or the fact that you are a real person. They are calculated to render a low settlement number. Here are some of the factors you may not have thought of:
1. Witnesses description of the injuries;
2. Whether there were inconsistent descriptions of the injuries;
3. Whether the claimant had any prior injuries;
4. Claims history of the claimant;
5. How soon did the claimant see a doctor (48 hours seems to be a key time period);
6. Whether there were any unexplained gaps in treatment and how long (weeks or months);
7. Length of time off from work;
8. Length of time treated (weeks or months);
9. Expected credibility of claimant vs. that of the insured;
10. Venue (which county would the trial take place); and
11. Reputation of claimant's attorney.
The bottom line is that if you are injured in a car accident you will be penalized for trying to tough it out. You will be penalized if you can't make your doctor's appointment because your boss won't let you off, or because you have to work to support your family; and you will be penalized if you don't have a good attorney willing to both work your case pre-suit and try it to a jury, if necessary.