Dealing with Insurance Companies After an Accident_ What Your Lawyer Wants You to Know

1. Dealing with Insurance Companies After an Accident: What Your Lawyer Wants You to Know You’ve just been in a car accident. You’re injured, your car is damaged, and before you can even catch your breath, the insurance company calls. They sound polite. They say they want to help. But be cautious—what seems like support is often a carefully crafted strategy to pay you as little as possible. If there’s one thing a seasoned Car Accident lawyer Chicago wants you to know, it’s this: the insurance company is not on your side. Here’s what you need to watch for—and how to protect your rights after a crash. 1. Insurance Companies Are Profit-Driven—Not Justice-Driven Despite the branding and slogans, insurance providers aren’t in business to help victims—they're in business to protect their bottom line. Every dollar they save on your settlement is profit for them. That’s why many insurers use delay tactics, denial strategies, or lowball offers to minimize payouts. 2. The First Offer Is Almost Always Too Low

2. It might feel tempting to accept that first check, especially if you’re facing medical bills, car repairs, or missed work. But insurance adjusters are trained to offer settlements before you understand the full value of your case. They hope you’ll say yes before you speak with a car accident attorney who can reveal what your claim is truly worth. 3. They May Pressure You Into a Recorded Statement You’re under no legal obligation to give a recorded statement to the at-fault party’s insurance company. They may act like it’s “standard procedure,” but they’re hoping you’ll say something they can use to deny or reduce your claim later. Even something as simple as “I feel fine” can come back to haunt you. Always consult a lawyer before speaking to any insurance rep. 4. They Might Downplay Your Injuries Insurers often argue that your injuries aren’t as serious as you claim. They might suggest pre-existing conditions, question the timing of your treatment, or say the collision “couldn’t have caused that much damage.” That’s why it’s critical to seek medical attention immediately and maintain thorough documentation of every diagnosis, prescription, and therapy session. 5. They Don't Want You to Get Legal Help Insurance companies know that once you hire a car accident lawyer in Chicago, their chances of paying less drop significantly. Attorneys understand their tactics, calculate the true value of your damages, and are prepared to take them to court if necessary. Hiring a lawyer often results in 3–5x higher compensation than handling the claim alone. 6. How a Car Accident Lawyer Protects You A skilled Chicago car accident attorney will: ● Handle all communication with insurers ● Negotiate aggressively on your behalf ● Gather evidence to prove fault and damages

3. ● Calculate fair compensation (medical bills, lost wages, future treatment, pain and suffering) ● File a lawsuit if negotiations fail You deserve more than a quick check—you deserve justice. Don’t let insurance companies take advantage of your vulnerable state. Their friendly tone masks aggressive strategies meant to protect their profits—not your recovery. If you’ve been injured in an accident and are being contacted by insurers, speak with a trusted Car Accident lawyer in Chicago before signing anything or giving a statement. We’ve seen it all before—and we’re here to make sure you don’t settle for less than you deserve.