“Should I talk to the insurance adjuster?”
You can, but be very careful. It’s best practice to speak with an attorney first before giving any recorded statement. Adjusters are trained to:
- Get you to say things that weaken your claim
- Minimize your injuries
- Lock you into misleading statements early
“Do I have to give a recorded statement?”
Not immediately, and often, you shouldn’t without legal guidance. What you say can be used against you later, even if it seems harmless in the moment.
“Why is the insurance company offering me money so quickly?”
Fast offers are a tactic. They’re hoping you:
- Need money urgently
- Don’t know the full value of your case yet
- Accept before realizing long-term medical costs
Once you accept, you typically can’t go back and ask for more.
“How do insurance companies calculate what my case is worth?”
They look at:
- Medical bills (but often try to reduce them)
- Lost wages
- Liability (who they think is at fault)
- Risk of going to trial
What they don’t prioritize enough: Your pain, long-term impact, and quality of life. That’s where having an attorney changes everything.
“What happens if the insurance company denies my claim?”
A denial isn’t the end; it’s often just the beginning. We can:
- Challenge the denial
- Present stronger evidence
- File a lawsuit if necessary
Insurance companies deny claims, hoping people will give up. We don’t.
“Are insurance companies allowed to lie or mislead me?”
They’re not supposed to—but they often:
- Omit information
- Delay responses
- Use confusing language
In some cases, this crosses into bad faith, which can open the door to additional damages.
“Why is the insurance company taking so long?”
Delays are often intentional. The goal:
- Wear you down
- Create financial pressure
- Push you to accept less
We keep pressure on them so your case doesn’t stall unnecessarily.
“What should I NOT say to the insurance company?”
Avoid:
- “I’m feeling better”
- “It wasn’t that bad”
- Guessing about details of the accident
- Admitting any level of fault
Even casual comments can be used to reduce your claim.
“What if the other driver doesn’t have insurance?”
You may still have options through:
- Your uninsured/underinsured motorist coverage
- Other applicable policies
We help identify every possible source of recovery.
“Why is the insurance company asking for so many documents?”
Partly legitimate—but sometimes strategic. Too many requests can:
- Slow down your claim
- Overwhelm you
- Create opportunities to pick apart inconsistencies
We manage this process so it stays focused and fair.
“Can the insurance company use my delay in treatment against me?”
Yes. If you wait to seek care, they may argue:
- You weren’t really injured
- Something else caused your condition
That’s why early medical documentation is critical.
“What happens if I accept the insurance company’s offer?”
Once you accept:
Your case is over
You sign away your right to future compensation
Even if: Your condition worsens and/or new medical issues arise
That decision is final, which is why it’s so important to evaluate it carefully.
“What is ‘bad faith’ insurance, and does it apply to my case?”
Bad faith happens when an insurance company:
- Unreasonably denies a valid claim
- Delays payment without cause
- Fails to properly investigate
In these cases, they can owe more than the original claim value. Bighorn Law’s bad faith experts, Kimball Jones and Joshua Berrett, have deep experience going after insurance companies in bad faith cases, which can significantly increase recovery.
“Will having an attorney actually change how the insurance company treats me?”
Yes, immediately. When you have representation:
- Communication goes through your attorney
- Lowball tactics decrease
- Settlement offers are typically stronger
- The risk of trial becomes real for them
In short: You’re taken more seriously.
“Do insurance companies offer more money if I have a lawyer?”
In many cases, yes. Because:
- Your case is better documented
- Negotiation is more strategic
- The threat of litigation is real
Studies and industry trends consistently show much higher settlements with legal representation.