After a car accident, one of the first calls you’ll receive is from an insurance adjuster. They’ll sound calm, professional, and reassuring. They’ll say things like “We just need a few details to process your claim” or “We’re here to help you get back on your feet.” But behind the friendly tone is a simple truth: insurance adjusters work for the insurance company—not for you.
Their job is to minimize payouts, protect company profits, and close claims quickly. That means they’re trained to ask questions that reduce liability, delay payments, and justify lowball offers. And if you’re injured, overwhelmed, or unsure what your case is worth, you’re exactly the kind of claimant they’re hoping to deal with.
This is where accident lawyers come in—not just as legal representatives, but as strategic advocates who know how to push back, protect your rights, and fight for full compensation.
Adjusters Are Trained to Limit Your Claim
Insurance adjusters aren’t neutral parties. They’re trained negotiators with one goal: settle your claim for as little as possible. That starts with the initial phone call. They’ll ask for recorded statements, request medical records, and look for inconsistencies they can use to dispute your injuries or shift blame.
They may offer a quick settlement before you’ve finished treatment. They may downplay your pain or argue that your injuries aren’t related to the accident. And they’ll rarely explain what your claim is truly worth—because the less you know, the more they save.
Accident lawyers know these tactics inside and out. They handle all communication with insurers, ensure your medical documentation is complete, and negotiate from a position of strength. Their presence alone signals that you’re serious—and that you won’t be taken advantage of.
Lawyers Understand the Full Value of Your Case
Most accident victims focus on immediate costs: medical bills, car repairs, and missed work. But a skilled accident lawyer looks beyond the surface. They calculate damages that include:
- Future medical care
- Lost earning potential
- Pain and suffering
- Emotional distress
- Lifestyle changes due to injury
Insurance adjusters rarely account for these factors. They’re focused on closing the claim—not supporting your long-term recovery. Lawyers, on the other hand, build cases that reflect the full impact of the accident, ensuring you’re compensated for both current and future losses.
Liability Is a Legal Battlefield
Fault isn’t always clear-cut. Even if the other driver was obviously negligent, insurers may argue that you share responsibility. In states like California and Texas, being even partially at fault can reduce your compensation significantly.
Adjusters know how to manipulate liability. They may cite vague police reports, misinterpret witness statements, or use your own words against you. An accident lawyer knows how to investigate thoroughly, gather evidence, and challenge unfair fault assignments. They work with experts, reconstruct accidents, and build airtight arguments that protect your share of the claim.
Moseley Collins: A Lawyer Who Knows the Playbook
In California, personal injury attorney Moseley Collins has spent over 40 years helping accident victims stand up to insurance companies. His team understands the tactics adjusters use—and how to dismantle them. From disputed fault to complex medical claims, Moseley Collins Law builds strong, evidence-backed cases that reflect the full scope of injury and loss.
They don’t just file paperwork. They advocate, negotiate, and litigate when necessary. If you’re facing pushback from an insurer or unsure what your claim is worth, Moseley Collins offers the kind of strategic insight that turns confusion into clarity—and hesitation into action.
Lawyers Don’t Get Paid Unless You Win
One of the biggest misconceptions about accident lawyers is that they’re expensive. In reality, most work on a contingency basis—meaning they only get paid if you do. Their fee is a percentage of your settlement, and they often recover far more than you would on your own.
This model aligns their interests with yours. They’re motivated to maximize your compensation, not drag out the process. And because they’ve handled hundreds of cases, they know what a fair settlement looks like—and when it’s time to take the fight to court.
In Conclusion
The aftermath of an accident is stressful enough without having to second-guess every conversation with an insurer. Accident lawyers remove that burden. They know the system, the tactics, and the traps—and they’re equipped to fight back.
If you’re facing medical bills, lost income, or long-term recovery, don’t rely on the adjuster’s version of “help.” Talk to an accident lawyer like Moseley Collins who’s truly on your side—and make sure your claim reflects the full story.
Moseley Collins Law
980 9th St 16th floor, Sacramento, CA 95814
(916) 444-4444
