No two insurance companies evaluate accident claims the same way. They may use similar ideas, but their internal playbooks differ dramatically. One company may put more weight on medical bills, while another cares more about liability or risk. This is why your offer might look completely different from someone you know who had what seems like a similar accident.

One of the most important points Jobeth emphasizes is this. The insurance company has a duty to protect its own insured driver. It does not have a duty to the person who was hurt. Even if both drivers are insured by the same company, the duty does not extend across the claim. This single fact shapes everything that follows.

Commercial vehicles and trucking companies often carry larger insurance policies. Bigger coverage limits mean more exposure if a jury issues a large verdict. These companies also deal with significant logistics. If a truck driver is scheduled for a delivery hundreds of miles away, the insurer still has to get that driver to Elkton for trial next Thursday. That creates time pressures and expenses that consumer auto carriers rarely face.

Because of this, some commercial insurers would rather pay a generous settlement up front than deal with trial risks, travel costs, or jury uncertainty. Jobeth sees many cases where commercial carriers offer twenty percent more than the typical television advertised carriers simply because it saves them time and money in the long run.

If the insurer does not have a large presence in Maryland, they usually hire outside defense attorneys. Those attorneys require a significant retainer, often twenty or thirty thousand dollars, plus hourly billing. If a case is worth one hundred thousand dollars, an insurer can either pay that voluntarily or take the risk of spending thirty thousand dollars on defense fees plus the one hundred thousand dollars that the case is worth anyway. And if the case goes all the way to trial and the jury awards one hundred fifty thousand dollars, the company will pay both the verdict and the defense costs along the way.

Some insurance companies take this risk seriously and try to settle early. Large national carriers do not feel the same pressure because many of them have their own in house law firms. Their costs to defend a case are fixed, which means filing suit does not change their financial position much. These differences explain why some offers jump quickly while others barely move.

The biggest reason low offers happen is simple. If you are negotiating with an insurance company without an attorney, they will almost always offer far less than the value of your case. Jobeth sees this every single day. Insurers count on people trusting online calculators, old stories from relatives, or information they found on the internet that is half true or completely false. They also try to scare people by saying an attorney will take a third of the settlement. What they do not say is that the attorney will negotiate a much larger settlement in the first place.

A lawyer does not take a third of the garbage offer. A lawyer takes a third of a fair settlement or a verdict that reflects what the case is truly worth. Your final compensation is almost always higher with real representation.

If your offer looks far too low, you may be dealing with an insurer that is cutting corners, relying on in house attorneys, or hoping you do not understand your rights. Bowers Law handles injury cases every day and knows the playbooks for most major companies. Jobeth and the team know which insurers roll over the moment a lawsuit is filed and which require specific pressure points to make a real offer.

If you were injured in an accident, reach out to Bowers Law. This is the only type of case they handle, and they focus exclusively on helping people in Cecil County. They will review your claim, explain why your offer came in so low, and take the steps needed to secure the value your case deserves.

Be informed. Be protected. And never accept a settlement that does not reflect the real worth of your injuries.

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