An insurance company is great at taking money in from their insureds. But not so great at paying money out on their claims. Why is this? Because, they put many obstacles in the way of actually paying a claim. Therefore, you need to know what coverages to select. This is an important piece to understanding and having an airtight insurance policy.
Being smarter than the insurance company starts with understanding that their primary goal is to protect their bottom line—not necessarily to give you the full compensation you deserve. After an accident or injury, insurance adjusters may seem friendly and helpful, but they are trained to minimize payouts and may use tactics like offering lowball settlements, asking misleading questions, or urging you to settle quickly before you fully understand your damages. Recognizing these strategies is key to avoiding costly mistakes that can harm your claim.
One of the smartest things you can do is avoid speaking to the insurance company without proper preparation or legal guidance. Providing a recorded statement or signing documents without fully understanding them can weaken your case. Insurance companies often look for inconsistencies or vague language to use against you. Instead, document everything related to your injury—medical records, repair bills, time missed from work—and be cautious about what you say, even on social media. The more informed and organized you are, the harder it is for insurers to take advantage of you.
Hiring an experienced personal injury attorney can level the playing field and show the insurance company you’re serious. Rosenberg Law knows the tactics insurers use and how to negotiate effectively to pursue the maximum compensation you’re entitled to. They can also handle communication, gather strong evidence, and take the case to court if necessary. Being smarter than the insurance company means being proactive, informed, and willing to stand up for your rights rather than settling for less than you deserve.
Technical Copyrighting
Have you ever notice that reading an insurance document is like trying to read in a foreign language? They are full of technical, impossible-to-understand language. Insurance carries DO NOT want you to know or understand what you are buying (or not buying) in the hope that this will save them money.
Liability & Insurance Company
After litigating a hotly contested liability case with a defendant insurance company who tendered their policy limit of $15,000, we then sought additional coverage through my client’s own underinsured motorist coverage. We successfully obtained their policy limits of $100,000. Due to my client’s injuries and economic losses, the case was worth so much more. We call that a “coverage tragedy”, meaning there was not enough insurance to cover the claim. Furthermore, had our client elected the right coverage it could have resulted in hundreds of thousands more dollars going in her pocket. Let us help you avoid this situation with insurance companies.
Our Mission
At Rosenberg Law, we are eager to review any client’s policy at NO COST to prevent such coverage tragedies from happening in the future. As a result, you have more peace-of-mind, with knowing you have the coverage you need. Understandably, we know insurance choices can be complex. Our goal is to help people make informed decisions in regard to insurance coverage(s).
In such a fast paced society, we need insurance to protect our lives, families, homes, and belongings. Navigating the insurance industry and selecting the policy that fits your needs can be daunting, and often times insurance companies themselves are difficult to deal with. Since insurance policies and the law governing them can be so complicated, we offer services to help you understand in order to choose the policy that is right for you. Additionally, we take pride in helping our clients understand the best choices. Read more about choosing an insurance company here.
Our team has over 40 years of experience handling and managing insurance policies of all types. We can review any type of insurance policy with you — whether it be homeowners, business, umbrella, or auto; and we can help you understand what your policy means. In addition, our review with you is at no cost.
No matter what your insurance questions, we can help. Contact our experienced legal office and let us help you choose the policy that best fits your needs. We can meet with your family or answer initial questions over the phone if needed. We are available 24/7 to assist you in making the correct choices regarding your insurance policy questions.
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