Car Insurance Company Games | Shapiro, Washburn & Sharp

Wikimedia Commons -- stories never change. Every time my personal injury law firm attorneys and I speak with a car or truck accident victim, we hear about contested liability, accusations of fraud and refusals to provide coverage for standard things like a rental vehicle or vehicle replacement. In other words, the insurance companies our clients contacted—especially the insurers for the at-fault drivers who injured our clients—have tried to shift blame, denied the existence of injuries and failed to live up to the terms of a policy.

The details differ for each case in Virginia and North Carolina, but the plot always plays out the same way. Our client, injured and in financial distress, cannot rely on the insurance company that runs endless ads promising to be on their side or to place them in good hands. The insurance company certainly has seen it before, but the company does not seem to care enough to cover it.


By the time we meet them, the car and truck accident victims we advise and represent have often been victimized twice. First, a negligent or reckless driver sent them to the hospital, Now an insurance company claims adjuster has told them they must bear all the financial consequences of someone else’s preventable mistake.

Sadly, we know from decades of experience that victims of hit-and-run drivers cannot even depend on their own car insurance provider to live up to its obligations under uninsured motorist provisions. Claims adjusters will stall, deflect and deny when dealing with one of their own policyholders just as they would when trying to block or dismiss a claim from a nonpolicyholder.

Playing the insurance claims game is never fun, but injured victims do have a way to even the odds. Partnering with a dedicated and caring personal injury attorney helps traffic accident victims clear hurdles and cut through red tape. If nothing else, insurance company reps actually answer phone calls and emails from lawyers; the threat of a civil lawsuits tends to focus them on their jobs.