Why You Need an Experienced Attorney to Maximize Your Car Insurance Settlement

Why You Need an Experienced Attorney to Maximize Your Car Insurance Settlement

Navigating the aftermath of a car accident is invariably stressful. From managing the recovery from any injuries to dealing with the repair or replacement of your vehicle, the complexities can be overwhelming. This is where the role of an experienced attorney becomes indispensable, particularly when negotiating a settlement with a car insurance company.

At Caruthers Law Firm in Houston, we understand the intricacies of car insurance claims and the tactics employed by insurance companies to minimize their payouts. With years of dedicated experience in personal injury law and a robust understanding of the legal landscape in Texas, our attorneys are well-equipped to ensure that you receive the maximum compensation you deserve. Here’s how working with an experienced attorney can significantly benefit your insurance claim process:

1. Understanding of Legal Rights and Provisions

Many people are not fully aware of their legal rights after an accident. An experienced attorney not only understands these rights but can also help explain them to you in a way that is easy to understand. Texas law, for instance, operates under a modified comparative fault rule, which could significantly impact the amount of compensation you can receive. An experienced lawyer will evaluate all aspects of your case and strategize accordingly, ensuring that your legal rights are protected throughout the claims process.

2. Expertise in Dealing with Insurance Companies

Insurance companies are businesses looking to make a profit, and they often do so by minimizing payouts on claims. They have teams of lawyers and adjusters who begin evaluating your claim immediately. Having an experienced attorney on your side levels the playing field. Attorneys at Caruthers Law Firm are skilled negotiators who know how to deal with insurance adjusters effectively. We ensure that your claim is taken seriously, and your damages are not undervalued.

3. Accurate Valuation of Damages

Properly estimating the value of your claim involves more than just adding up medical bills and car repair costs. It includes quantifying non-economic damages such as pain and suffering, emotional distress, and loss of enjoyment of life. Experienced attorneys have the knowledge and tools necessary to calculate these accurately. At Caruthers Law Firm, we use a comprehensive approach to ensure that every possible damage is accounted for, maximizing the potential settlement you can achieve.

4. Ability to Navigate Complex Negotiations

Settlement negotiations are often complex and require a nuanced understanding of the law and the ability to advocate effectively for clients. Experienced attorneys know how to build a strong case and present evidence in a manner that maximizes your claim’s value. Furthermore, they are prepared to counter any tactics used by the insurance company to reduce the settlement amount, such as alleging that you were at fault for the accident.

5. Litigation Experience

While many car insurance claims are settled out of court, sometimes litigation is necessary to achieve a fair settlement. Experienced attorneys are not only skilled negotiators but also seasoned litigators. Having a lawyer who is prepared and willing to take your case to court if necessary sends a strong message to the insurance company that you are serious about obtaining fair compensation. At Caruthers Law Firm, our lawyers are courtroom veterans who are ready and able to fight for your rights in front of a judge or jury if needed.

6. Peace of Mind and Time to Heal

Dealing with the aftermath of a car accident can be emotionally draining. By hiring an experienced attorney, you can focus on your recovery while your legal team handles the complexities of the claim. This can provide immense peace of mind during a challenging time. Knowing that professionals are advocating on your behalf can relieve the stress and anxiety associated with insurance claims, allowing you to focus on getting back to your life.

7. Contingency Fee Basis

Most personal injury attorneys, including those at Caruthers Law Firm, work on a contingency fee basis. This means you don’t pay unless we win your case. This arrangement aligns the interests of the attorney with your own – maximizing your settlement. It also means that anyone, regardless of their financial situation, has access to high-quality legal representation without any upfront costs.

8. Faster Resolution of Claims

An experienced attorney can often expedite the claim process. Familiar with the procedures and potential roadblocks, attorneys like those at Caruthers Law Firm know how to avoid unnecessary delays, effectively speeding up the time it takes to settle your claim. This is crucial for those who are facing financial pressure due to medical bills and lost wages.

The advantages of hiring an experienced attorney to handle your car insurance settlement cannot be overstated. At Caruthers Law Firm in Houston, we are committed to providing our clients with the highest level of representation, ensuring that they receive the compensation they deserve. If you’ve been involved in a car accident, don’t navigate the daunting world of insurance claims alone. Let our seasoned attorneys take the wheel, providing you with the expertise and support you need to secure a favorable outcome.

What Predatory Tactics Do Insurance Companies Use in Car Accident Cases?

When you’re involved in a car accident, the hope is that your insurance company will cover your damages and assist you efficiently during the recovery process. However, the harsh reality is that insurance companies often employ various tactics that can be described as predatory, prioritizing their profits over the well-being of accident victims. At Caruthers Law Firm in Houston, we have witnessed firsthand the strategies used by insurance companies to minimize their payouts and undervalue claims. Understanding these tactics can help you protect your rights and secure the compensation you deserve.

1. Immediate Lowball Offers

One of the most common tactics used by insurance companies is to make a quick, lowball offer to settle the claim. This often happens before the victim fully understands the extent of their injuries or the total costs of their medical treatment and vehicle repairs. These initial offers can be tempting, especially when you are facing immediate medical bills and other expenses. However, accepting such offers can result in significantly lower compensation than what is rightfully owed, often insufficient to cover all medical expenses and future care needs.

2. Delaying the Claims Process

Conversely, some insurance companies take the opposite approach by deliberately delaying the claims process. This tactic is used to pressure the victim into desperation. As medical bills and other expenses mount, the financial strain can become overwhelming, making the claimant more likely to accept a lower settlement. This delay tactic abuses the financial vulnerability of accident victims, exploiting their need for quick resolution.

3. Denying Claims Outright

Insurance adjusters sometimes deny claims outright without a reasonable basis. This can be particularly distressing if you’ve been paying premiums for years and find yourself unsupported when you need help the most. The goal here is often to see if the claimant will challenge the denial; many do not, especially those without legal representation, resulting in significant savings for the insurance company.

4. Requesting Unnecessary Information

Another strategy is to overwhelm the claimant with requests for extensive, often irrelevant documentation that can complicate or delay the claims process. This can include medical records unrelated to the accident, excessive interviews, or statements and forms designed to trip up claimants and make them say something that could be used to devalue their claim. The aim is to build a case against the victim’s claim, thereby justifying a lower payout.

5. Misrepresenting Policy Terms

Insurance companies may also attempt to misrepresent the terms of a policy to claimants, suggesting that certain damages are not covered when, in fact, they are. This requires claimants to have a precise understanding of their policies, which many do not. Without legal assistance, these misrepresentations can go unchallenged, leading claimants to miss out on valid compensations.

6. Using Statements Against the Claimant

Insurance adjusters often attempt to get claimants to make statements immediately following an accident, which can then be used against them to reduce their claim’s value. For example, saying “I’m fine” at the accident scene can be manipulated to imply a lack of injury. Even innocent remarks can be construed in ways that undermine the seriousness of the claim.


Dealing with these predatory tactics can be frustrating and overwhelming, especially when you are trying to recover from your injuries and get your life back on track. At Caruthers Law Firm, our team has extensive experience dealing with these strategies and understands how to protect our clients throughout the claims process. By hiring experienced legal representation, you can ensure that your claim is taken seriously, and that you receive the maximum compensation possible.

If you’ve been the victim of a car accident and are facing the daunting task of dealing with insurance companies, don’t go it alone. Contact Caruthers Law Firm today to ensure that your rights are protected and that you receive the full compensation you are entitled to.

Caruthers Law Firm
Address: 4141 Southwest Fwy,
Suite 620
Houston, TX 77027
(713) 526-9557
View our Google Listing

In the aftermath of an accident that leaves you or a loved one injured, it is crucial to know where to turn for support and justice. The Caruthers Law Firm stands as a beacon of unwavering commitment to the cause of pursuing justice for injury victims. With a track record that speaks volumes about our dedication to excellence and passion for our clients, we have garnered recognition throughout the Houston area as a trusted name in the legal community. When you or a family member suffers an injury due to the negligence of another, the need for an attorney who is not just competent but also recognized for their excellence becomes paramount. The Houston personal injury attorney at The Caruthers Law Firm fits that bill precisely. We have earned accolades and trust from our clients because we don not just handle cases; we champion causes. Our cases frequently involve traumatic, life-altering events, such as the loss of a loved one, and our relentless pursuit of justice ensures our clients receive the compensation necessary to secure their financial future. Our dedicated efforts have successfully secured over $50 million in settlements for our clients, and our commitment to excellence has brought us national recognition, particularly in fields like birth injury law. Whether your life has been upended by a tragic accident or the negligence of another party, you can confide in Caruthers Law Firm to handle your case with the utmost skill, dedication, and compassion in your time of need. Every case we undertake is treated with the gravity and importance it deserves, and we strive to provide the best possible representation to our clients. At Caruthers Law Firm, our attorneys boast an impressive array of knowledge and expertise in various practice areas, including personal injury, criminal defense, wrongful death, and more. We fully acknowledge that each case is unique, and we value the individual concerns and needs of our clients. This understanding leads us to craft tailored legal strategies that address each case is distinctive challenges. When you choose Caruthers Law Firm as your legal representation, you can expect a high degree of professionalism, unwavering integrity, and an unparalleled commitment from the beginning of your case to its conclusion. We are not just lawyers; we are advocates for your rights, dedicated to securing the justice you deserve.

For over three decades, Beverly R. Caruthers has been on an unwavering mission to provide her clients with top-notch, tenacious, and compassionate legal services and representation. Attorney Beverly R. Caruthers has not only amassed extensive experience but has also consistently delivered high-quality legal assistance to those who have sought her counsel. Her journey to legal expertise began with academic distinction, having graduated Cum Laude with a Bachelor of Arts from Tougaloo College, followed by the acquisition of her Juris Doctor from Thurgood Marshall School of Law at Texas Southern University. With a primary focus on Personal Injury, Criminal Law, and Business Law, Attorney Beverly R. Caruthers has honed her legal acumen in these pivotal areas. Complementing her knowledge and skills, The Law Office of Beverly R. Caruthers is fortified by a collaborative team of seasoned and highly qualified attorneys. Together, they work tirelessly to achieve the best possible outcomes for each and every client they serve. In the Caruthers family, the pursuit of legal excellence seems to be a cherished tradition. Briona Caruthers, following in the footsteps of her older brother and colleague, hails from Missouri City, Texas, where she graduated from Elkins High School in 2015. Venturing outside her hometown, she spent four years at Hofstra University in New York, where she diligently earned her Bachelor Degree in Legal Studies in Business in 2019. After her academic journey in New York, she returned to her roots in Houston, Texas. There, she attended the same illustrious institution where her mother, Beverly R. Caruthers, and her brothers, Eddie and Parker Caruthers, had studied—the Thurgood Marshall School of Law at Texas Southern University. In 2022, Briona graduated Cum Laude from TSU, thereby continuing the family legacy. Beyond her legal pursuits, Briona finds solace in retail therapy and enjoys exploring the world through her travels when she is not in the office, fervently advocating for her clients rights. Parker Caruthers, another member of the Caruthers family, was born and raised in Missouri City, Texas, where he completed his high school education at Clements High School in 2012. His educational journey took him to Texas Southern University in Houston, Texas, where he earned a Bachelor’s Degree in Marketing in 2017. Parker commitment to legal studies led him to the Thurgood Marshall School of Law at TSU, from where he graduated in 2021. During his time in law school, Parker legal prowess shone through as he secured victory in the Helen Dawn Williams Mock Trial competition, all while gaining valuable experience through internships at the Harris County District Attorney’s Office. Opting to take a different path by not pursuing prosecution, Parker joined Caruthers Law Firm in 2021. Beyond the legal realm, Parker passions extend to sports fandom and his role as a proud dog owner. At the Caruthers Law Firm, we take a refreshingly transparent and candid approach when assessing our potential clients circumstances. We believe in clear, honest, and direct communication, leaving aside the legal jargon to speak in terms that our clients can readily understand. Each client is treated as a unique individual, receiving personalized and attentive care throughout their legal journey with us.

We are immensely grateful to each and every individual who wholeheartedly contributed to the success of "The Christmas Toy Drive and Giveaway" and "The Back to School Giveaway" right here in the vibrant city of Houston. Your support has made a profound difference in the lives of countless local children, and it is a testament to the incredible community spirit that defines our city. At The Caruthers Law Firm, we take great pride in being active sponsors of these important initiatives, which focus on providing crucial resources to Houstons youth. Some of the recipients come from families struggling with limited income, making it challenging for them to provide the necessary school supplies for their children. For others, the prospect of a joyous Christmas was a distant dream due to a lack of toys. In these circumstances, we aimed to make a meaningful and positive impact on these children and their families. It is through the unwavering support and dedication of our local community that we were able to realize this vision. We encourage you to consider joining us in this noble cause and be a part of the change in the lives of Houston families. Your involvement can take various forms, whether through donating items, contributing funds, or taking the initiative to organize a collection drive within your organization, church, club, or local community. Your support will undoubtedly go a long way in touching the lives of those in need, ensuring that every child in our city can look forward to a brighter future. By working together, we not only provide essential items but also instill a sense of hope, compassion, and generosity within our beloved Houston community. Together, we can create a stronger, more caring, and inclusive community, one that continues to uplift and empower those who need it most. Thank you for being a part of this vital mission.

Scroll to Top

Send us a message