How Insurers Minimize Auto Claims - and How We Fight Back

After a serious crash, most people expect the insurance company to step in and help.

But the reality is this: insurance companies are not in the business of doing what is fair. They are in the business of protecting their profits. And if you were injured in a car, truck, motorcycle, or pedestrian accident, you can bet they are already looking for ways to pay you as little as possible.

At Walton + Brown, we represent people who have been harmed in all types of vehicle crashes — and we know the games insurers play to avoid paying what you truly deserve. More importantly, we know how to fight back.

The Tactics Insurance Companies Use

Here are just a few of the ways insurers try to limit or deny claims after serious accidents:

1. Quick, Lowball Settlement Offers

They know you are in pain, out of work, and overwhelmed. So they offer you a fast check — before you have had time to understand the full extent of your injuries. Once you take it, you give up the right to ask for more, no matter what happens later.

2. Blaming You for the Crash

Insurers may try to shift the blame, even in clear-cut cases. If they can claim you were partially or fully at fault, they can reduce or deny your compensation under Ohio’s comparative negligence laws.

3. Downplaying Injuries

They often argue your injuries were pre-existing, not related to the crash, or not as serious as your doctor says. They may hire their own "independent" medical examiner to dispute your medical records.

4. Delaying the Process

Time is a weapon. They drag out the process hoping you will settle out of frustration or financial desperation. Meanwhile, your bills pile up.

5. Denying Non-Economic Damages

Pain and suffering, emotional trauma, and long-term quality of life are often ignored or under-calculated. These damages matter — and we make sure they are not erased.

Our Response: Preparation, Pressure, and Proof

We know how to respond to each of these tactics, because we have seen them all. When you hire Walton + Brown, you get a legal team that moves fast, builds strong cases, and pushes back from day one.

Here is how we fight:

• We gather evidence early, including crash reports, surveillance footage, and witness statements
• We work closely with medical professionals to document the true impact of your injuries
• We calculate the full value of your case, including long-term care, future income loss, and pain
• We communicate directly with insurers so you do not have to
• We prepare every case for trial, even when settlement is possible — because leverage matters

Whether you were hit by a reckless driver, struck while walking, injured in a motorcycle crash, or harmed in a commercial truck collision, our goal is the same: to make sure the system does not cheat you out of what you need to move forward.

You Only Get One Shot to Get This Right

Injury claims are not just paperwork. They are about your future. Your medical recovery. Your financial stability. And your dignity.

Insurance companies may act like they are on your side. But they are not. That is why you need someone who is.

Want to talk? Schedule a free, no-pressure consultation with our team today. We are here when you are ready.

Call Walton + Brown LLP at 614-636-3476 or visit WaltonBrownLaw.com. Let’s fight for what you deserve.