State Farm Insurance is at the forefront of using computerized claims processing to reduce the value of claims paid out to accident victims. Allstate pioneered the use of a computer program known as Colossus to drive downward settlement offers submitted to claimants and State Farm soon followed with similar claims processing software used in calculating settlement offers in all injury claims arising out of auto accidents. The claims process reduces insurance adjusters to glorified data entry technicians while the computer spits out lowball offers to injured claimants.
Hiring a qualified Houston personal injury attorney with knowledge about the specifics of the claims process is the only way to maximize the potential for higher settlements in light of the industry reliance on computer driven settlement offers designed to continually drive down the average payouts for particular categories of cases. The programs typically disregard jury verdicts and only factor in the low range of settlements accepted by frustrated claimants in calculating what State Farm calls the “range of reasonableness” for a given claim. Attorneys can change the outcome in multiple ways. In settlement negotiations, an experienced personal injury attorney in Houston should know how to characterize claims to trigger certain “value enhancers” built into State Farm’s computer program. Communicating with medical providers to insure each and every aspect of an injury is properly documented in clinical records is essential to increasing offers from State Farm and other insurance companies.
Using dedicated techniques to present evidence of economic damages as well as using documentary proof to substantiate all non-economic damages is a hallmark of the professionals at Sigmon Law, PLLC. Large companies like State Farm and Allstate are driven by the bottom line and the track record of attorneys is a factor to be considered in calculating the cost of litigation and risk of a substantial courtroom verdict.
If you or a loved one has been injured and has a claim against State Farm or any other large insurance company, you owe it to yourself to consult with an experienced personal injury attorney in Houston with a track record of success.