Hurt in a Car Crash? It’s the Insurance Company — Not the Other Driver — You’re Up Against

After a car crash, many people think that if they file a claim, they’re dealing directly with the other driver. But that’s not how it works.

If you’ve been hurt in a crash, it’s the at-fault driver’s insurance company — not the driver — that pays, controls, and negotiates your claim. And make no mistake: the insurance company’s goal is to protect itself, not you.

Here’s what you need to know:

1. The Insurance Company Takes Over Immediately

The moment a crash is reported, the at-fault driver’s insurance company steps in. The insurance company hires adjusters, investigators, and lawyers. They handle every part of the claim from start to finish, and the driver has little or no say in how your case is handled.

The at-fault driver doesn’t negotiate with you, doesn’t decide how much you should get, and often doesn’t even know what’s happening with your claim.

It’s the insurance company — a national, for-profit business — that controls everything.

2. Insurance Companies Are Not On Your Side

Insurance companies like to advertise themselves as “good neighbors” or “in good hands,” but when it comes time to pay a claim, their loyalty is to their shareholders, not you.

Their job is to save money, not to fully compensate you. They do that by:

• Disputing fault or blaming you for the crash

• Minimizing your injuries

• Arguing your medical treatment was unnecessary or too expensive

• Offering lowball settlements

• Dragging out the claim to pressure you into settling cheaply

Even if the at-fault driver admits they caused the crash, the insurance company may still fight your claim to avoid paying full value.

3. You Need Someone Who’s On Your Side

Because you’re really dealing with a national insurance company — not just the other driver — it’s critical to have someone fighting for you.

An experienced attorney can help by:

• Investigating the crash and gathering evidence

• Dealing with the insurance company so you don’t have to

• Calculating the full extent of your damages, including future medical needs and lost wages

• Negotiating diligently for a full and fair settlement

• Filing a lawsuit if necessary to protect your rights

Without someone advocating for you, you’re at a disadvantage — because the insurance company has teams of adjusters and lawyers working against you from day one.

The Bottom Line

When you’re hurt in a crash, you’re not negotiating with the other driver. You’re up against a billion-dollar insurance company whose goal is to pay you as little as possible.

If you’ve been injured in a crash, don’t go it alone. Contact Guenin Law Office today for a free consultation.