Insurance Claims Representatives

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Have you had to argue something very important to you with someone who will not listen to anything you say, someone who has already made up their mind about the issue? If not, you have not had a personal injury claim and had to argue your damages with a claims representative of an insurance company.

The claims representative protects the interests of the insurance company, which is a profit motivated corporation. They have no personal animosity towards you. If you are willing to take what they want to give you (which guarantees the claims rep's good job evaluation), they are friendly. Claims representatives' attitudes toward claimants are what keep plaintiffs' personal injury lawyers in business.

Additionally, the claims representative usually gets training from the insurance company and often have years of experience handling claims such as yours. How many wrecks have you been in? The insurance companies train the claims representatives to exploit the injured person's naivete, their lack of greed and/or profit motive, and often the injured person's injuries ("since you don't feel well, why don't we just put this matter behind us by settling now?")

Claims representatives see claimants in the throes of injury, but once the claim is paid, never have reason to have contact with the injured person again. Claims reps cannot help but believe that the payment of money made the pain go away. In reality, the injured person often has to live with some form of pain or disability even from a minor collision for the rest of their life.

Insurance companies will point to anything in a claimant's past to try to avoid paying. If a claimant does not know the law, the insurance company will try to get away with anything the claimant will let them. A lawyer will get the claimant what the law allows, not what the insurance company wants to get away with paying.