Why a Personal Injury Attorney Should Be The One to Deal with Insurance Companies
If you’ve been injured in a car wreck, slip and fall, or any kind of accident, chances are the insurance company is already blowing up your phone. They may sound friendly. They might even say they “just want to get this wrapped up quickly.” But don’t be fooled—they’re not on your side.
One of the biggest mistakes you can make after an injury is talking to the insurance company yourself. No matter how confident or level-headed you are, dealing with them without a personal injury attorney can seriously cost you in the long run.
Insurance Companies Try to Scare You
Here’s something they don’t want you to know: insurance adjusters are trained to make you feel like you have no options. They'll say things like:
- “If you don’t take this offer now, you could end up with nothing.”
- “Lawsuits take forever, and you’ll still probably lose.”
- “We’ve reviewed the medical bills, and this is the best we can do.”
It’s all designed to make you feel anxious and pressured. They want you to think that filing a lawsuit is too much of a hassle and not worth your time.
But when you have a personal injury attorney handling things for you? That fear tactic loses its grip. Suddenly, you're not alone—and they know it.
They’ll Tell You, “You’ll Never Get More Than This”
This one is classic. You’re sitting on the phone with an adjuster, and they hit you with a confident, almost smug line: “This is the best you’re going to get.”
It’s meant to shut down any further negotiation. It makes you second-guess your case, your injuries, and even your own instincts. But here’s the truth: that offer probably isn’t even close to what your case is worth.
Insurance companies are constantly lowballing victims. They bank on the idea that you’re tired, overwhelmed, and just want to get it over with. But your personal injury lawyer isn’t tired, and they’re not about to roll over.
They Love the “Final Offer” Speech
If you’ve already heard something like, “This is our final offer—take it or leave it,” don’t panic. That line is rarely the actual final offer. It’s just another trick in their playbook to make you fold.
The real magic happens when your personal injury attorney starts applying pressure. Suddenly, that so-called “final offer” becomes flexible. Why? Because insurance companies know that a seasoned attorney is not afraid to take a case to trial if necessary, and trials are expensive and unpredictable for them.
Your Lawyer Changes the Whole Playing Field
When you hire a personal injury attorney from our firm, everything changes. Your case is no longer just a number on someone’s desk; rather, it’s a legal claim with weight behind it. Your personal injury lawyer knows how to build a case, gather evidence, bring in medical experts, and calculate the real value of your injuries, time off work, pain, and future care.
More importantly, they know how to threaten litigation strategically. The minute your lawyer says, “We’re prepared to file a lawsuit,” the insurance company takes notice.
Threatening a Lawsuit Usually Increases the Offer
We see this all the time. A client comes in after being offered a weak settlement amount. We send a letter of representation. Then, we begin gathering real evidence, including medical records, crash reports, expert opinions, and witness statements.
Next thing you know, the insurance company is doubling or even tripling the original offer without us even filing the lawsuit yet.
Why? Because once a lawyer is involved, the company knows the clock is ticking. If they don’t offer something fair, they can get dragged into months (or years) of litigation, racking up legal fees, and risking a jury verdict that’s way more than what they would’ve paid to settle. Insurance companies pay attention when attorneys talk.
Personal Injury Attorneys Know the System
This isn’t your first claim, but it’s not your job to know all the rules, deadlines, and tricks. Personal injury attorneys deal with insurance companies every single day. They’ve seen every tactic. They know the paperwork inside and out. They can spot a shady clause in a release form a mile away. Having a lawyer means you don’t get steamrolled by someone who’s trying to rush you into a bad deal.
However, it’s critical to reach out to our personal injury attorneys as soon as possible, as your time to file a lawsuit is limited under Indiana law.
You're Protected From Saying the Wrong Thing
Here’s another big reason not to talk to the insurance company yourself: anything you say can be twisted and used against you.
Something as innocent as “I’m feeling okay today” or “It wasn’t really that bad at the time” can get turned into evidence that you weren’t seriously injured. Once that’s in the file, it’s tough to walk it back.
When you have a personal injury lawyer, they do the talking. You’re no longer vulnerable to sneaky questions or being recorded without fully understanding the consequences.
You’ll Likely Get More Money—Even After Legal Fees
One of the biggest myths out there is that hiring a personal injury attorney means you’ll walk away with less money. Not true.
In fact, studies have shown that injured people who hire a lawyer recover significantly more compensation than those who don’t, even after legal fees are deducted. That’s because personal injury lawyers know how to:
- Maximize every category of damages
- Spot hidden areas of compensation
- Negotiate medical liens and bills to reduce what you owe
So yes, a percentage of your settlement goes to your personal injury lawyer, but your overall payout is often far greater than what you might have gotten on your own.
Let Our Personal Injury Lawyers Deal with the Insurance Company Instead
Insurance companies are not your friends. Their job is to protect their bottom line, and that means paying out as little as possible. They’ll try to pressure you, scare you, and trick you into thinking you have no options.
But you do.
At Dogan & Dogan, we know how to deal with insurance companies because we’ve been doing it for years. We’re not intimidated by adjusters, and we won’t let them push you around. If they make a weak offer, we’ll push back. If they still don’t play fair, we’ll take them to court.
Injured in an accident? Let us deal with the insurance company while you focus on healing. Contact us online today, and let’s talk about your case.
