Value Drivers

Most insurance companies use evaluation software to adjust claims.  The most popular is a program called Colossus.  There are certain things that drives the value of a personal injury claim up including some things you would not think about.  The force of impact for example and the actual property damage drives a personal injury value up.  You can have two identical claims with the same injuries where one claim is only worth $5,000.00 but the other is worth $25,000.00 because of the amount of force and damage done to the vehicle.  Pictures of the vehicle prior to repair are extremely important including getting photos of the brackets under the vehicle that were bent as a result of the accident.  Detailed injury and property documentation is the key to adding value to claims which can be the difference between a few thousand dollar settlement and a policy limits claim.