Navigating Insurance Companies
Free Case EvaluationHow Hardy Wolf & Downing Navigates the Insurance Company’s Evaluation Process
When you’re involved in an accident, the aftermath can feel overwhelming. Dealing with injuries, property damage, and insurance companies is a lot to handle, especially when you’re trying to recover.
At Hardy Wolf & Downing, we’re here to guide you through this complex process and ensure you’re treated fairly by the insurance companies.
Here’s how we help you every step of the way.
You’ve Been in an Accident. What Happens Next?
The first days after an accident often feel chaotic. A claims adjuster is assigned to your case after reporting your accident to the insurance companies. This person is responsible for handling your claim, but they ultimately work for the insurance company—not you. Unfortunately, this means their priority is to minimize the amount they have to pay out.
From the start, many insurance companies rely on computer programs to evaluate your claim. This approach can reduce your situation to data points, where your pain and human experience might not get the attention they deserve. The good news? With Hardy Wolf & Downing advocating for you, we ensure your voice is heard and your case gets the attention it warrants.
How Hardy Wolf & Downing Advocates for Fair Treatment
At Hardy Wolf & Downing, we know how to communicate effectively with insurance companies. We make sure the full extent of your injuries and damages is documented and presented upfront, so reserves are set appropriately.
Why Does This Matter?
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How Insurance Companies Evaluate Claims
What Is Colossus?
Colossus is one of insurance companies’ most common tools for calculating settlement values for personal injury claims. Developed to standardize claim evaluations, Colossus takes data about your injuries and converts it into a “score” to determine compensation. While this may sound efficient, using a computer algorithm to decide your case often overlooks the unique details of your injury and its impact on your life.
Originally popularized by Allstate, Colossus and similar programs, like “Claims Outcome Advisor” and “Claims IQ,” help insurers predict how much a case might cost them. These systems also identify which lawyers are less likely to take cases to court and are more likely to accept low settlement offers.
What Does This Mean for Personal Injury Victims?
Insurance companies use Colossus not just to calculate numbers but also to set reserves for your case. A reserve is the amount of money they think they’ll need to pay for your claim, including legal costs. Adjusters set reserves based on the first conversations about your injuries and damages. If those conversations don’t reflect the full scope of your losses, the reserve can be set too low, making it harder for you to get the settlement you need later on.
While reserves can decrease as cases progress, increasing them isn’t as simple. Adjusters are trained to protect the company’s profits, often setting conservative reserves to minimize the payout.
This is where Hardy Wolf & Downing comes in.
Your Road to Recovery Starts with Hardy Wolf & Downing
Navigating the insurance and personal injury claim process after an accident shouldn’t add to your stress. You need a team that knows the tactics insurers use and will work tirelessly to advocate for your best interests. At Hardy Wolf & Downing, we give you the support, knowledge, and legal expertise needed to secure a settlement that reflects the full scope of your losses.
If you’ve been injured due to someone else’s negligence, don’t leave your case to chance—or algorithms. Reach out to Hardy Wolf & Downing today. Together, we’ll make sure your story is heard, your claim is handled with care, and your life gets back on track.
Schedule a free consultation today Our team is here to help.