The insurance company needs to understand how the accident occurred, what your injuries are, how those injuries affected you, and who you are as a person. The insurance company will not take anything you say at face value. They are looking for objective evidence of your injuries. This means documentation from third parties. If you have an injury, but there is no medical record substantiating that injury, to the insurance company, it is as if you were never hurt. If you have pain, but there is no indication of ongoing pain from your medical records, to the insurance company, that means your injury wasn’t that serious. This is a cold and calculated system, but the insurance company will handle any claims you make with suspicion from day one because they view you as an interested and opportunistic actor. The insurance company is also looking at you as a potential witness. Your age, marital status, job, etc. can actually affect the value of your claim due to societal prejudices. The insurance company wants to know if a jury will like and believe you — and if not, they will offer you a lower settlement. This concept is offensive and, ultimately, this outlook harms disadvantaged individuals by unjustly undercompensating them for their injuries.
