Insurance Claims

Despite what you may have seen on TV, if you're involved in a personal injury case, it's very likely that you will never step foot in court. Most of the negotiating will be between you, your lawyer, and an insurance company. In this section, we've curated a wealth of information to help you deal with the insurance adjuster.

(For car accident-specific information, also see our section on Car Accidents & Insurance Issues.)

Introduction & Overview

Reporting an Accident to Your Insurance Company

If you're involved in any kind of accident or incident that could lead to the filing of a claim, contact your own insurer right away.
Tips for the First Call With an Adjuster After an Accident

What to say (and what to avoid) when the at-fault party's insurance company contacts you after an accident.

Dealing With the Adjuster

How the Insurance Adjuster Handles Your Personal Injury Claim

Once you file an injury claim with an insurance company, the adjuster goes to work investigating and valuing your case.

Settlement Value of Your Insurance Claim

How the Insurance Adjuster Determines an Injury Settlement Offer

What's behind the insurance company's initial settlement number, and what comes next in the personal injury claim settlement process.
Collecting Injury Compensation Beyond Insurance Policy Limits

It's not easy, but you can sometimes collect personal injury damages beyond the limits of the at-fault party's insurance coverage.
The Insurance Adjuster's "Nuisance" Value of Your Claim

Even if the insurance company is right in saying there's little basis for your injury claim, you might still be able to get a "nuisance settlement".
How Gaps in Medical Treatment Affect Your Injury Claim

The insurance adjuster's assessment of your injuries is based almost entirely on your medical records. Gaps in treatment may cause the adjuster to "devalue" your claim.

Insurance Denials and Delays

When the Insurance Company Denies Your Injury Claim

Some reasons why your injury claim would be denied, and what you can do about it.
Filing a Complaint About an Insurance Company's Unfair Settlement Tactics

What to do when the insurance adjuster takes an unreasonable stance on your personal injury claim.

Homeowners Liability Claims

Making an Accident Injury Claim Against a Homeowners' Insurance Policy

Learn how to prepare an accident liability claim for a homeowners' insurance company.
Does Homeowners' Insurance Cover Personal Injury Claims?

Many common types of accidents are covered by a homeowners' insurance "personal liability" provision, but there are exceptions.