Haverford, PA
Silver & Silver, a law firm based in Pennsylvania, is sharing information to help the public understand the methods insurance companies use when reviewing injury claims and determining settlement offers. Navigating the aftermath of an accident often involves interacting with insurance adjusters who follow specific protocols to evaluate the value of a claim. By providing insight into this process, the firm aims to help individuals in Haverford and the surrounding areas understand what to expect when seeking compensation for their injuries.
When an injury claim is filed, insurance companies begin by looking at the details of the incident to determine who was at fault. This stage involves reviewing police reports, witness statements, and any available photos or video footage from the scene. Adjusters also look closely at medical records to see if the injuries reported match the facts of the accident. They look for consistency in the documentation to ensure that the medical treatment received was necessary and directly related to the event in question.
Insurance companies typically divide damages into two categories: economic and non-economic. Economic damages include measurable costs like medical bills, lost wages, and property damage. Non-economic damages cover things that are harder to put a price on, such as physical pain and emotional distress. To calculate a settlement offer, many insurance companies use software programs that analyze data from similar cases in the same geographic area. These programs help adjusters arrive at a number they believe is fair based on historical trends.
“Insurance companies evaluate claims by examining liability, documented injuries, and financial losses,” said Cindy J. Silver, partner at Silver & Silver. “Understanding how these factors are reviewed can help individuals approach settlement discussions more thoughtfully and avoid accepting an offer before fully assessing its implications.”
It is also common for insurance companies to look into a claimant’s medical history. They may look for pre-existing conditions that could have contributed to the current symptoms. If an adjuster finds evidence of a previous injury, they might argue that the current accident did not cause the harm, but rather aggravated an old injury. This is why it is important for individuals to be thorough when developing their documentation and to provide a clear timeline of their health and recovery.
Understanding how these large organizations evaluate claims can help people stay patient during what is often a long process. Insurance companies often start with a lower initial offer to see if the claimant will accept it quickly. Those who understand the value of their claim and have the right documentation are often better prepared to handle these negotiations. Silver & Silver remains committed to helping the Haverford community stay informed about their rights and the procedural realities of the legal and insurance systems.
Contact Silver & Silver to learn more.
About Silver & Silver
Silver & Silver is a trusted law firm that represents clients throughout Philadelphia and the greater Delaware Valley. Specializing in Personal Injury and Social Security Disability matters, the firm is committed to providing experienced legal representation and attentive client service. By working with trusted professionals, Silver & Silver focuses on protecting clients’ rights and pursuing meaningful result.
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Cindy J. Silver
Silver & Silver
(610) 658-1900
Disclosure:
This website is designed to provide only general information. The information presented on this website is not formal legal advice. You should not rely on any general information from any source for making legal decisions. Each legal matter is unique and requires specific attention from a qualified attorney. Unless a representation agreement has been signed with the Law Offices of Silver and Silver, we are not your legal representatives.
