Are Insurance Companies Really on Your Side?
Insurance companies love to use comforting slogans—“You’re in good hands,” “Like a good neighbor,” and “We’re on your side.” These phrases are designed to build trust and convince you that the insurance adjuster calling you after your accident has your best interests in mind. But here’s the truth: they don’t. Their primary goal is to minimize payouts and protect their profit margins, not to ensure you’re properly compensated for your injuries or damages.
When you’ve been in an auto accident, especially one involving injury, your best move is to avoid talking to the insurance companies—yours or theirs—until you’ve spoken with an attorney. Insurance adjusters are trained to be friendly and sympathetic, but their job is to settle claims for as little as possible. That’s why working with a law firm like Bowers Law from day one is crucial to protect your rights and your recovery.
The Real Game: Profit Over People
Every insurance company operates under a simple business model: collect premiums and avoid paying claims. Over the past few years, most insurers have raised rates by as much as 50%, yet continue to fight hard to reduce payouts. Adjusters are trained to become your “buddy” on the phone, lulling you into a false sense of trust—especially when it’s the other driver’s insurer contacting you. But you must remember, they represent the person who caused your accident, and they will do everything they can to pay you less.
To these companies, you’re not a person—you’re a number in their spreadsheets. The goal is to save just $1,000 per claim, multiplied by millions of claims per year. That’s why many people who accept early settlements end up with far less than they deserve.
Real Case Examples: Why Hiring a Lawyer Pays Off
At Bowers Law, we’ve seen firsthand how insurance companies try to lowball accident victims. One client received a $900 initial offer before hiring us—and ended up settling for $100,000, the full limit of the policy. Another client was prepared to accept $20,000 after 18 months of medical treatment, but after we took the case, they received a $375,000 settlement.
Even more dramatically, a case where the insurer refused to offer more than $10,000 ended in a jury verdict of $568,000. These aren’t outliers—they’re evidence of what happens when an experienced attorney takes over and forces the insurance company to play fair.
Don’t Be Fooled by False Promises
One of the most dangerous lies insurance companies tell is that they’ll continue to pay your medical bills after a settlement. That’s simply not true. Once you sign a release, your claim is closed. No future payments. No exceptions. It’s a trap that many injured people fall into because they’re overwhelmed, vulnerable, and just trying to make ends meet after a crash.
With Bowers Law on your side, you don’t have to worry about these tactics. We handle the insurance calls, the paperwork, and the negotiations. You focus on healing. We focus on getting you the compensation you deserve.
Should You Talk to the Insurance Company After Your Maryland Auto Accident?
No. Not without legal representation. The safest thing you can do is let a personal injury attorney handle all communications from the start. At Bowers Law, we offer free consultations and case evaluations, even if you’re not sure you want to pursue a full claim. We’ll guide you through what to say, what not to sign, and how to protect your future.
Call us at (410) 885-6200 to get started. You don’t need to be a client to get advice, and we’re happy to answer questions about your case or help you find past podcast episodes that discuss similar issues. Don’t let an insurance company take advantage of you. Call us today.
The post Should You Talk To The Insurance Company After Your Maryland Auto Accident? first appeared on Bowers Law.
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