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The adjuster's opening offer is a number chosen before anyone knows what your injury will cost. Our job is to make sure the final number is based on your medical reality instead.
DO THIS FIRST
1. Get examined today, even if you feel functional.
2. Photograph both vehicles, the scene and your injuries.
3. Report to your own insurer — not to theirs.
4. Decline recorded statements to the other carrier.
5. Sign nothing until a lawyer reads it.
WHAT DRIVES VALUE
No honest lawyer quotes a number on a first call. Five inputs decide it, and two of them you can still influence today.
Treatment to date plus the care you will still need. Gaps in treatment are used against you.
Wages missed, plus reduced earning capacity if you cannot go back to the same work.
Surgery, hardware, scarring and lasting limitation change the case category entirely.
Every percentage point of blame shifted to you comes straight off your recovery.
The ceiling. Finding every applicable policy is often worth more than arguing damages.
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