How to Get the Most Money From Your Insurance Claim

by Alex

There is no single silver bullet that automatically ensures you get the most money out of your insurance claim. Instead, you can help maximize your options by keeping records, knowing the terms of your policy, and not accepting an initial settlement offer. A personal injury lawyer can also assist you in negotiating a fair settlement.

Start by Protecting Your Right to Compensation in an Insurance Claim

You may feel at the whim of the adjuster’s judgment, but your actions can influence your claim. In fact, a major component of maximizing potential compensation is taking the appropriate steps after an accident.

Too many accident victims lose out on possible money from their claims because they make easy-to-avoid mistakes. To help protect your options, act promptly, maintain records, and arm yourself with knowledge about your situation.

Act Promptly

You can put yourself on better footing from the start of your case by taking action immediately. This includes:

  • Receiving prompt medical care
  • Reporting an accident to the authorities
  • Contacting your insurance company
  • Documenting your case

Given the high cost of medical care, money worries could make you hesitate to get an examination at the doctor’s office. This could ultimately cost you more—delaying care can look to insurance adjusters like you did not suffer a serious injury or any injury at all. Protect your health by seeing a doctor, and protect your compensation by creating immediate records of your injury.

Timely accident reporting can also bolster your claim. If you were in a motor vehicle accident, notifying the police creates a record of the accident and helps preserve evidence. With any accident, letting your insurer know helps establish your character and preserves your opportunity to pursue compensation.

Don’t delay in gathering evidence, either. You can document your case from the moment it happens if you can. Take photos, get witnesses’ contact information, and write down what you remember of what happened.

Create, Obtain, and Keep Records

Insurance claims hinge on paperwork. Use that to your advantage. Maintain records of everything related to your accident, including:

  • Doctor visits
  • X-rays, MRIs, and other imaging
  • Treatment plans and notes
  • Prescriptions 
  • Receipts 
  • Bills 
  • Employment records
  • Lost income 
  • Records related to damaged property
  • Promises made by adjusters
  • Timeline of events

Insurance adjusters keep track of what you say, often in the hope of finding ways to avoid paying you. You can employ the same strategy by noting all the information they provide. Write down the adjuster’s name and contact info and keep a record of any promises they make.

For injuries, records of bills and specific diagnoses can help maintain accuracy. For example, HealthCare.gov reports that a three-day hospital stay is estimated at $30,000. However, that can depend on the injury. The Agency for Healthcare Research and Quality (AHRQ) reports that traumatic brain injury (TBI) hospitalizations have been shown to cost 74 percent more than non-TBI inpatient stays.

Insurance companies like to work in generalities but getting the most money from your insurance claim means insisting on specificity.

Understand Your Losses to Recognize a Proper Insurance Settlement Offer

Settlement offers are negotiable. When considering an offer, also consider your:

  • Past and future medical losses
  • Past and future lost income
  • Past and future pain and suffering

The keywords? Past and future. Some companies try to pay the minimum of your past losses and avoid paying future losses. If a settlement offer doesn’t include consideration for future consequences of your injury, you can counteroffer.

Consult a Personal Injury Attorney for More Info About Your Insurance Claim

If keeping track of important records or negotiating with an adjuster sounds intimidating, you can enlist the help of one of our lawyers. We can:

  • Investigate your case to gather evidence that supports your request for compensation
  • Represent you in interactions with adjusters and other attorneys
  • Review and explain your policy terms and any laws that apply 
  • Analyze settlement offers and negotiate terms that include past and future losses
  • Recognize common pitfalls and possible opportunities to maximize compensation

Get Help Filing a Lawsuit

You don’t have to wait until there is an issue with your insurance claim to file a lawsuit. We can file concurrently to demonstrate how serious we are about getting you compensation. Negotiations can continue throughout the insurance claim and lawsuit process to potentially settle the case.

Getting the Most Money From an Insurance Claim Starts With Getting Information

One of the best ways to protect yourself and your possible settlement is to understand your position. Gather as much information as possible about the accident, your insurance coverage, the other parties, and your losses. If you’re at all overwhelmed, have questions, or want personalized answers about maximizing your compensation, contact the team at Shulman & Hill at 866.932.5558 today.

Our History of Success


"The treatment received by Shulman & Hill was extremely excellent. They treated me like I was part of their family and that gave me a lot of confidence in them. I would recommend them one hundred percent because they are very trained in your area. I congratulate you and ask God to fill you with blessings. Gracias for your support."

Ramon E.

"I would like to thank The Shulman & Hill Law Firm in Brooklyn for their outstanding representation on my worker’s compensation case. The monetary reward exceeded our expectations and Alex worked closely with me to meet and exceed my goals."

John S.

"To anyone in need of a worker’s compensation lawyer, I highly recommend Alex Shulman and his team. They went above and beyond to best accommodate me during my time of injury. All my questions and concerns were answered in a timely manner and with the utmost professionalism. In addition and most importantly they fought to make sure I was correctly compensated for my injuries at time of settlement and didn’t rush to get paid. I will be recommending their firm to anyone and everyone in need of their services."

Chaim L.

"I am both satisfied and relieved with the results this extremely professional and reliable firm did. They lead me through the entire process, they never gave me any issues. They handled everything on their own, and always put a great deal of effort to ensure my comfort and best interest. They were always reachable and answered all my questions, and gave me information even when I didn’t know what the right question to ask was.  They turned a grave dilemma into something very manageable and repairable. They are efficient and do not linger with any paperwork, I was truly amazed at the results and the short time it took. I highly recommend them to anyone, and will seek their counsel in the future."

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Aaron R.

"Alex Shulman did a wonderful job walking me through all the process of my case…making sure I understood all the legality and severity of all my hearing. I highly recommend their firm to handle any and all worker’s compensation cases. They strive for your wellbeing health-wise as well as aiming for the financial max."

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"Schulman & Hill was my very first choice I chose for my WC case . I am very pleased with the outcome of my case. I would highly recommend them to friends. They are very professional and kept me informed during every step of this process. Should I ever need a WC attorney again, God forbid, Shulman & Hill it is, hands down . Thank you ."

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"I had a great experience with Shulman & Hill. They have a great team and were very understanding and helpful from day one. I felt like I was in good hands and the outcome on my case overreached my expectations! I highly recommend this firm. You can be rest assured that they will fight for you rights."

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"My experience with the Shulman & Hill lawyers during this process time was excellent, they are competent and very professional lawyers, they worked quickly with my case and they kept me informed of the whole process all the time. Shulman & Hill’s fans recommend them with closed eyes, thank you very much Shulman & Hill."

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"Shulman & Hill is the best firm out there. They help you understand....since walking into Shulman & Hill, they have guided me...to get a win. I am completely happy with my compensation. What brought me to Shulman & Hill was their expertise in workers compensation and personal injury cases. What I found value in was in their mission to provide compassionate service..."

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"I went to the Internet to find a lawyer to assist me to navigate worker’s compensation process. Shulman & Hill was my first choice  and I have no regrets. I was impressed with the prompt response to my case. I must comment on the office environment and office staff being  friendly, professional and prompt. A big thanks to the lawyers that represented me at the hearings and Valeria who helped to lessen my anxiety are dealing with legal issues. I have no hesitation in recommending this law firm to anyone that requires legal services."

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"The best law firm in NYC! They explain everything to you and they are very generous and helpful. The lawyers are excellent and very respectful as also is the receptionist. I highly recommend the Shulman & Hill law firm."

Davis C.

"Excellent lawyers. Excellent service. I will recommend them as my first choice. They helped me with my case since day one. They know exactly how to work on a case and win it. They worked fast and were always in communication with me.  I won my case with a very high amount. Thanks to all the staff, I wish them my best. They will always be in my heart."

Grace B.

"Had a very positive experience working with Shulman & Hill in the worker’s compensation case. Everyone is very professional and competent. Received the maximum possible settlement in court. I am sincerely grateful to my lawyers and personally Alex Shulman for the work done. I wish you further success and prosperity."

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"I am so glad that I chose Alex Shulman to represent me in my worker’s compensation case. I have definitely recommended him to some of my coworkers and friends who needed an Attorney. I am so happy with the service I got from him and his paralegals. Thank you very much to the entire staff at Shulman & Hill for everything!"

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"Shulman & Hill have been tremendously helpful in resolving my case. They are extremely professional and thorough. I would recommend them to anyone working to resolve a difficult case."

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"I was very pleased with the work of this firm. They made sure I understood my case and I was never left out of the loop. They were professional and very friendly. I would recommend them to anyone looking for someone who is going to fight for you to the very end."

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"Wonderful service quality by the group of professional advocates in the law firm of Shulman & Hill! I did not expect that I will find a proper solution regarding my worker’s compensation. However, it has been possible by the experts and they have made the task easier over the period. Thanks to them for their help."

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"I would definitely like to thank Mr. Alex Shulman and his entire staff at Shulman and Hill for their exceptional work in helping me with my Worker’s Compensation case. Their entire staff was courteous and professional from start to finish and all work was done in a timely fashion. I was previously with a different law firm who were not as informative, and they made me feel like I was a mere money to them. I personally recommend the law offices of Shulman & Hill for any injury/ worker’s compensation case you may have. They strive to get you a maximum reward for your injury, while maintaining the utmost courtesy and professionalism."

Dain J.


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