Insurance Companies and Tort Reform Part One (1): How Insurance Companies Work Against You In Your Personal Injury And Accident Case

by Aaron Gartlan

February 16, 2016 | Personal Injury

Hello and welcome to the Gartlan Injury Law personal injury blog. We’re glad you have joined us for this installment and hope that you will visit often and as always call on us with your questions.

Insurance companies take in premiums and pay claims with a goal of receiving more premiums than claims paid in order to make a profit. Insurance companies evaluate risks before issuing a policy. Many insurance companies have issued some risky policies. Insurance companies often invest a portion of the premiums collected in an effort to increase their profits. Unfortunately, insurance companies have invested in some risky investments. Insurance companies are supposed to conduct a reasonable investigation and evaluation of a claim before paying the claim. If the investments are going well, claims might be easier to pay, but if their investments are not faring well, that will make the claims harder to pay. Further, risky policy holders can make claims more frequent and paying claims more difficult. Insurance companies are in the business of making money through making investments and collecting premiums, and must answer to their stockholders and officers. One of the ways that insurance companies increase profits to pay large salaries and bonuses is to minimize, delay, defend or deny the payout on claims. Insurance companies also take all the steps they can get away with to minimize, delay, defend or deny the payout on their claims and in some cases, doing everything they can do to avoid paying a claim. What this means is that if you have a personal injury and accident case, then the corporation or insurance company that you are dealing with wants to protect their bottom line at your expense. They are not there for you or to help you. They are not on your side. They are going to take every legal step they can to protect their bottom line at your expense.

Please, remember that the insurance company is out to protect their bottom line at your expense in your personal injury claim. We understand and work against that every day in an effort to help the injured. We encourage you to stand up and demand fair treatment in your case. Therefore, we welcome your call, messages, emails and visits regarding your case.

What is the insurance company going to do if you have a personal injury and accident case?

In the event you are involved in a personal injury and accident claim, the insurance company is going to take all steps it can get away with to minimize, delay, defend or deny a claim at your expense. For example, we have been involved in cases where insurance company representatives show up at the hospital after an accident or injury to obtain information from a family. Do you believe this is done to help the family increase the value of their case? Of course not, they are on a mission to minimize, delay, defend or deny. In other cases, insurance defense experts have been known to show up at the scene and take the black box device out of the cab of the commercial 18-wheeler truck in order to manipulate the accident investigation. Again their motive is to do what they can to minimize, delay, defend or deny the payment, and if they can get away with it, not pay anything at all. In fact one of the insurance company tactics of today is to pay a funeral bill because if they pay for a funeral, the family is less likely to hire a lawyer or law firm and seek the full value of their claim. Please, do not fall for these tactics. Consult with a personal injury lawyer.

Our lawyers hope you are enjoying and learning from this information and installment. Please, continue to follow this writing and contact us with questions or comments.


Aaron Gartlan is a graduate of Troy University and the Thomas Goode Jones School of Law who focuses his practice exclusively on representing those injured by the wrongdoing of others. He is member of the National Trial Lawyers Association’s Top 100 Trial Lawyers, Million Dollar Advocates Forum and Multi-Million Dollar Advocates Forum. In addition to his legal practice, Aaron teaches Business Law as an adjunct instructor at Troy University’s Sorrell College of Business and serves as a field artillery sergeant in the Alabama National Guard.

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