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What Is The Role Of The Insurance Company In A Personal Injury Case?

Accidents happen. And when they do, the aftermath can be a whirlwind of stress and confusion, especially when personal injuries are involved. In such situations, compensation for damages becomes a central issue. But where does this compensation come from? More often than not, it’s the insurance company that plays a pivotal role. Yet it’s common for insurance companies to attempt to minimize or deny coverage. In order to receive the compensation you deserve, you should turn to a knowledgeable attorney for help. The Horwitz Law Group stands ready to pursue a fair settlement offer. Contact us today to discuss your specific circumstances. 

Understanding Personal Injury Cases

A personal injury case arises when a person suffers harm due to the negligence or wrongdoing of another party. The injured party seeks compensation for their injuries and associated costs, such as medical bills, lost wages, and pain and suffering. Cases may involve car accidents, slip and falls, medical malpractice, or even product liability.

Insurance Companies: An Integral Player

Upon filing a claim, the insurance company steps into the picture. Their role is to investigate the claim, determine liability, and ultimately settle the case. However, it’s important to note that these companies are profit-driven entities, and their primary goal is to minimize their financial liability.

Initial Investigation

Once a claim is reported, an insurance adjuster is assigned to handle it. Their job is to gather evidence, interview witnesses, and assess the extent of the damages. This investigative process is critical in determining the strength of the case and the potential for a successful outcome.

Settlement Negotiations

After liability is established, settlement negotiations begin. The insurance company evaluates the value of the claim, considering factors like medical expenses, lost wages, pain and suffering, and future medical needs. However, these initial offers tend to be lower than what the injured party truly deserves.

Trial Proceedings

If a fair settlement cannot be reached, the case may go to trial. Here, the insurance company defends its interests in court, presenting evidence, cross-examining witnesses, and contesting the injured party’s claims. Their role is to protect their financial interests and reduce the compensation awarded to the injured party. Rest assured that our attorneys will do everything in our power to fight for your rightful compensation.

The Need for Experienced Representation

Navigating the complexities of a personal injury case and dealing with insurance companies can be daunting. This is where experienced law firms like The Horwitz Law Group come in. We are highly familiar with the tactics used by insurance companies to minimize settlements and can advocate for fair compensation.

Seek Legal Guidance Today

In a personal injury case, the role of the insurance company is multifaceted. From investigating the claim, determining liability, to offering a settlement amount – they are involved at every step. However, their primary goal remains to protect their financial interests.

This is why having representation from experienced law firms like The Horwitz Law Group is so crucial. They will fight for your rights, negotiate with the insurance company on your behalf, and, if necessary, take the case to trial to ensure you receive the compensation you rightfully deserve. Remember, when it comes to personal injury cases, you have nothing to lose and a lot to gain. Call our firm today to schedule a consultation with our knowledgeable attorneys.



Case Results


for a motor vehicle wrongful death case.


for a 75-year-old woman who suffered an above the knee amputation due to being run over by a private school bus.


for a young lady who was run over by a private waste hauling company while crossing the street.


for a trucking accident resulting in the death of the driver.


for a 70 year old man who died, without any living relatives, seven months after being hit by a car while crossing the street.


for a client whose family was killed by a street sweeper that ran a red light.


for a client injured in a 2005 Metra train derailment case.


for a minor rear-ended on an expressway in Kankakee.


for a premises liability accident resulting in below the knee amputation.


for a woman who was hit by a car while crossing the street.


for a client who was injured on the CTA red line train.


for a bicyclist hit by a car.


for a passenger injured in a rideshare rollover accident.


for a rideshare accident injury.


for a low-speed rear-end accident.


for injuries in a van accident pulling a trailer.


for a minor injured in a ride-share accident.


for a pedestrian injured due to a sidewalk defect.


for a passenger injured in a rideshare rollover accident.


for a driver injured in an auto accident.


for injuries from a right-turning truck.


for a family injured in an auto accident.


for a law enforcement officer rear-ended by a truck.


for a motorcyclist rear-ended.


for an individual injured by a dog.


for a bicyclist hit by a car while crossing the street.


for a driver rear-ended on the expressway.


for a client who had lawyers at another law firm trying to settle the accident case for only $60,000.

Tell Us About Your Case

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