Why Insurance Companies Undervalue Car Accident Claims—And How We Fight Back
If the first settlement offer seems low, it’s because it is. Here’s why—and what to do about it.
After a car accident, most people assume the insurance company will take care of them. But that’s not how it works. At McHone Law, we’ve seen time and time again how insurers—especially after accidents in Mesa, Phoenix, Tempe, and Gilbert—offer injury victims far less than they’re entitled to. In some cases, people settle for a fraction of what their case is worth.
In this post, we’ll break down why insurance companies undervalue your claim—and how our firm fights to make sure you get the full compensation you deserve.
1. Insurance Companies Are Not On Your Side
It’s important to understand: insurance companies are for-profit businesses. The less they pay on claims, the more they keep in their pockets. Even if an adjuster sounds friendly or helpful, their goal is simple: minimize the payout.
That means they will:
- Push quick, lowball settlements
- Discourage you from hiring an attorney
- Downplay your injuries
- Try to blame you for the accident
2. They Rely on You Not Knowing Your Rights
If you’ve never been in an accident before, you may not know what your claim is worth—or what you’re legally entitled to recover. Adjusters know this and count on you settling before you understand the full value of your case.
You may be entitled to compensation for:
- Emergency and ongoing medical care
- Physical therapy and rehabilitation
- Lost wages and reduced earning potential
- Pain, suffering, and emotional distress
- Property damage
Insurers may leave most of these out of their initial offer.
3. They Move Fast—Before You Know the Full Extent of Your Injuries
You might get an offer just days after the crash. It might even seem fair—until weeks later, when you realize your injuries aren’t going away. By then, it could be too late to reopen your claim. That's why we never recommend accepting the first offer without legal review.
4. How McHone Law Fights Back
When insurance companies try to cut corners, we put pressure where it counts. Our process includes:
- Independent investigation of your accident
- Gathering detailed medical records and expert opinions
- Calculating the true financial and physical toll of your injuries
- Handling all insurer communication so you don’t say the wrong thing
- Negotiating aggressively—and going to trial when necessary
We’ve recovered millions in compensation for Arizona clients, many of whom came to us after being dropped or ignored by other firms.
Let Us Handle the Insurance Company—You Focus on Healing
At McHone Law, we take on the insurance companies, build strong cases, and make sure you don’t get pushed into a bad deal. If you’ve been injured in a car accident in Arizona, don’t wait for the insurance company to play fair. We’re ready to fight for you.
📞 Call (480) 737-7391 or contact us online for a free consultation. No fees unless we win.



