Jim Adler | The Tough, Smart Lawyer
By Jim Adler June 25, 2015

The TV ads are wrong: You’re not necessarily in good hands with insurance companies. In fact, when you’re injured an insurance company may try to minimize your claim by using a secretive computer program called Colossus.

Its cold calculations determine how much your insurer will offer to settle your injury claim. But Colossus is designed to help the insurer, not the claimant, and its use stacks the deck against you.

How can you fight this? Get an experienced and knowledgeable human being on your side to stand up against the insurance companies’ Colossus computer program. Get a car wreck lawyer or injury attorney from Jim Adler & Associates — and don’t let Colossus undercut injury claims.

How Does Colossus Work?

You may be wondering “How does Colossus work?”

First, you should know that Colossus is computer software designed by Computer Sciences Corporation (CSC) of El Segundo, CA. It’s used secretly by over 300 insurance companies — including two-thirds of the top 20 — and by over half of the nation’s claim adjusters, none of whom will admit using it.

Next, know that Colossus isn’t designed to help you. It’s designed to help insurers keep your money by minimizing your claim.

For one thing, the insurance adjuster enters limited data into the program — mostly written medical records — while subjective elements such as your pain and suffering are dismissed. Then the program crunches numbers to minimize your claim.

Your own information about your case isn’t even considered, since it constitutes “self-evaluation.” Do insurance companies mention that in their ads — or the fact that most clients must engage an injury lawyer or risk getting just a small fraction of what they’re due? Of course not.

Without an injury lawyer’s help, individuals must face Colossus, a machine which turns them into a number. Insurance adjusting was bad enough before Colossus, but now it’s turned into a simple data entry process with no regard for human suffering, pain or feeling.

Does this save insurance companies money — and cost their clients? It certainly does.

As an example, the Washington State Insurance Commissioner’s Office reports that Farmers Insurance paid $1.13 in insurance claims for every dollar it collected for auto insurance in 2000. But the next year, upon using Colossus, the payout plummeted to 87 cents per dollar. This led to a claim of insurance fraud and payments to the plaintiffs.

Types of Colossus Claims

As for the types of Colossus claims handled by the program, they are generally small to moderate auto injury claims. Many are what are called “soft tissue” cases which involve damaged tendons or ligaments perhaps as a strain, a sprain or a contusion.

Colossus also may consider worse injuries such as bruised ribs, broken bones, herniated discs, a strained back, a pinched nerve or torn muscles.

Colossus does not consider severe injuries such as burns, quadriplegia, spinal cord injury, scarring, loss of a sense or brain injuries. It also does not consider wrongful death claims. Such claims continue to be handled via traditional insurance adjuster methods.

But make no mistake: Colossus is replacing traditional insurance claim adjusting. In fact, it has simplified adjusting so much that many insurance adjusters don’t need to have a college degree — or any background in personal injury, medicine or insurance. They simply feed limited data into a computer program which spits out a settlement figure.

However, even soft tissue cases have value, or “value drivers,” such as headaches, nausea, radiating pain, dizziness, muscle spasms, anxiety, depression and restriction of movement, such as a stiff neck. Such things may not be considered by Colossus in evaluating your claim, but they are quite real.

How Do You Fight Colossus?

So, how do you fight Colossus? First, give yourself a better starting position with an insurance company that uses Colossus by making sure that your injury documentation by health care providers is thorough, specific and complete.

Insist that all treatments are recorded in writing by your healthcare provider, since that’s almost all that Colossus will rely upon to come up with a settlement range. Everything should be written down — everything.

Indeed, poor injury documentation is the biggest reason Colossus undervalues claims, since the only thing it considers is documented information from health care providers.

You will likely disagree with a Colossus evaluation of your insurance claim. Then you can proceed with your case with help from an experienced injury lawyer, as from Jim Adler & Associates. He or she can help you make a settlement claim and, if the insurance company’s offer is not to your satisfaction, you can take your case to court as a lawsuit.

Then, actual human beings — a judge or jurors — will hear and decide your case. They will consider far more information about the severity of your injury, its costs and its aftermath than Colossus ever did.

Rest assured, a judge or a jury’s members, not Colossus, will determine your settlement in trial, superseding anything Colossus might claim.

But you will need an experienced car accident lawyer to present all the evidence which favors your claim — evidence which can go far beyond the meager amount of data that insurers feed into a computer so Colossus can undercut your injury claim.

Notify our law firm today to get a free legal consultation about your injury claim. We can help you to overcome the colossal disservice insurers impose on clients by using the computer program Colossus.

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Google Reviews

I went to the office and everyone was so considerate and professional , so my first impression was good, I felt like I was in good hands. Then I received a call from Vanessa Garcia, she was on top of EVERYTHING! I never had to call her, she always called me. She even called to see how I was doing , and if I needed help with anything. That is why I have absolutely no worries.read more
13:42 01 Jun 17
My lawyer Bill Adler and case manager Iris Sanchez are amazing! They constantly call and check on you . They keep you up to date through the process. They care about you as a person and not just a client. The wreck was a life changing experience that I've never been through before. I'm just glad I had the right people like Bill Adler and Iris Sanchez to help me through it. Truly satisfied.Thanks and God bless y'all!read more
Tierra Clark
Tierra Clark
18:52 19 May 17
I was dropped from a previous law firm regarding my case before I called Jim Adler. They immediately took up my case and worked hard on it - I was always up to date with each step they took and the benefits or consequences of each. In the end, I am highly satisfied with the outcome and would not have it any other way. It took some time but I truly appreciate and want to thank everybody who helped me on this journey and worked tirelessly on it.read more
Tori Barroga
Tori Barroga
14:17 11 May 17
I am a Patrol Deputy for the Sheriff Office and while working one night, a drunk driver crossed the center stripe on the highway and struck my patrol vehicle head on with his pick up truck. Needless to say we (the drunk driver and I) were both lucky to survive, as the accident occurred at highway speeds. Following my release from the hospital, I knew that I would need to have someone represent me. My employer was happy to represent me in regards to prosecuting the driver for criminal charges but, can do little in respect to the recovery of financial losses for medical bills, pain and discomfort, time lost from work etc... This is how my relationship with Jim Adler and Associates began. Yep, you probably guessed correctly when you think of what made me choose the "Texas Hammer" to represent me. Those half obnoxious, half way entertaining commercials and radio announcements most Texans have been seeing and hearing on the TV and radio for years instantly came to mind. Yes, I wanted to "hammer" this S.O.B. for trying to kill me but, more importantly I was worried about the costs associated with the life long injuries I had sustained as a result of this drunk driver's negligent behavior. I contacted Jim Adler and Associates and so began our relationship. I was immediately surprised by the prompt attention and the expression of genuine concern for my well being that I received from the employees of Jim Adler's office. Now as you can imagine, lawyers are not a breed that is held in very high regard by people in my profession but, my experiences with Jim Adler's office and his employees have forced me to amend my way of thinking, at least on the civil side of the house anyway. I have to chuckle when I say that because my experience as a client of Jim Adler's firm has been exceptionally pleasant. So before I venture down one of the stereotypical and infinite number of rabbit holes associated with the relationship between members of law enforcement and lawyers; I will do my best to stay focused on my experience with Jim Adler & Associates. Upon being informed that my case had been accepted by Jim Adler's office; I was contacted by Iris Sanchez who informed me that she was to be my case manager and any questions, comments and concerns could be directed to her. I was pleasantly surprised to receive regular calls from Iris assisting with my medical appointments and future follow up appointments. Iris had informed me that Jim Adler's son, Bill Adler would be handling my case and I was even more surprised to receive several calls from Bill to discuss my case. Now you might be thinking "what's the big deal" with the person who is representing you contacting you? In reality, you are correct in that it isn't a big deal but, what is noteworthy and what separates Jim Adler's Office from the multitude of other lawyers is the genuine expressions of concern and the desire Bill Adler conveyed to me to do their best to help me. I felt an immediate connection and instantly realized I had made the correct choice in contacting Jim Adler & Associates to handle my case. One thing I think lawyers and police officers can agree on is the proverbial wheels of justice turn very slowly. Months go by and our professional relationship is never neglected. Through the unwavering attention of Iris Sanchez and Bill Adler himself, I never felt "out of the loop" so to speak and always had a clear understanding of where my case was at in regards to the legal process. In conclusion, I know my brief description of my experiences with Bill Adler and, his assistant Iris Sanchez, cannot provide the credit they deserve. Together they have done an outstanding job representing their firm/employer. If you are seeking a great firm to represent your legal interests and, take comfort in establishing a professional relationship that feels more like a friendship than a casual business acquaintance, then I highly suggest Jim Adler & Associates.read more
Erick Becker
Erick Becker
01:20 06 May 17
I am very happy with Jim Adler & Associates. I did not know anyone who has ever used the Law Firm before. The staff is very friendly and treated me as if I were family. At times it got very stressful being without a job. They helped me when I was confused about the process. Mrs. Theresa Rodriguez stayed in contact with me constantly. Checking on me to see how I was doing and to let me know how things were going on there end. The Attorneys that handled my case know exactly what they are doing to take good care of me. Thank You so much Attorney's Mr.Michael Gomez and Mr.Trey Smith.read more
Bernard Orozco
Bernard Orozco
17:16 23 Feb 17
Jim Adler only offer nothing less than a great experience. They are a very well-established organization. They are outstanding on keeping you up to date with cases. There's no beating around the bush with this organization as they are only straight forward with the whole process. They treat their customers like family as well as go above and beyond to fight cases for you only leaving you with nothing but the best experience. Easy 5-star rated organization. I would highly recommend this one organization you not look over.read more
Lorenzo Preston
Lorenzo Preston
17:23 26 Jan 17
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