Jim Adler | The Tough, Smart Lawyer
By Jim Adler February 23, 2017

Most insurance companies tend to deny, delay and underpay their injured customers in order to keep more money for themselves, including from those involved in a severe car accident. Photo by vadimguzhva (iStock by Getty Images)

Ever wonder how an insurance adjuster evaluates your bodily injury claim? You should know how that’s done, since it can greatly impact the payments you receive for your injury — as can your choice of a personal injury lawyer to help get the job done.

Knowledgeable and experienced injury lawyers at Jim Adler & Associates deal with insurance adjusters daily and can represent you. That includes assessing and challenging an insurance adjuster’s evaluation of your claim.

Insurance Companies Don’t Want to Pay You

Insurance companies tout themselves in ads as caring and friendly, but in truth, they exist to make money, not to pay all clients fully and readily whenever they make a claim. Indeed, insurance companies tend to deny, delay and underpay their customers in order to keep more money for themselves. Once you understand that, you realize that, in an insurance claim for an injury, you and your insurer are in an adversarial relationship.

Thus, an adjuster may try to downplay or minimize your injuries, or even construe them as being unrelated to a car crash or other accident. But while adjusters want to reduce payments as much as possible, they also want to avoid what could be an even more costly lawsuit. That’s why most injury claims are settled out of court, with no need for a trial.

Keep in mind that the adjuster doesn’t work for you, but rather is paid by the insurance company, for which minimizing your claim is in its best interests. Accordingly, the adjuster may determine how much the insurer should be willing to pay (the maximum settlement) and then offer as little as half of that, to provide negotiating room.

In evaluating your auto accident injury claim, an adjuster must determine several things, including liability. Who was at fault in the crash? It was either you, or another driver, or a shared fault. When the other driver was at fault, your own insurer adjuster will insist that the other driver’s insurance pay on the claim.

If the other driver lacks auto liability insurance, you still can make a claim against your own insurance company, provided you have uninsured motorist coverage. If you don’t, your insurance won’t pay.

Adjusters Evaluate Economic, Non-Economic Losses

An adjuster also must evaluate your damages, in terms of actual economic losses (medical costs, lost wages) and non-economic losses (pain, suffering and emotional distress).

To calculate the latter, an adjuster applies a formula particular to that company. This may mean paying a ratio of the economic costs to cover non-economic losses of pain and suffering.

In evaluating your injury claim, an insurance adjuster also will consider the limits of the insurance policy against which the claim is made, and the strength of your case as a plaintiff in a possible injury lawsuit. If you have a strong case against the bad driver, you are more likely to receive a fair settlement.

Get a Car Accident Lawyer

To achieve success with an insurance adjuster, you’re advised to engage an experienced car accident lawyer or injury attorney with Jim Adler & Associates. Such attorneys understand how adjusters process your claim and can counter with arguments or strategies to boost the settlement in your favor.

Contact us today for a free legal review of your case.

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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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