American insurance companies use sophisticated tactics to minimize payouts and maximize profits. Understanding these practices is crucial to getting fair compensation.
Expert analysis for all major US insurance claim categories
Collision, comprehensive, liability, and uninsured motorist claims
Average increase: $2,500-$15,000 additional compensation
Property damage, personal property, and additional living expenses
Business property, liability, and business interruption claims
Medical claim denials, coverage disputes, and benefit maximization
Specialized knowledge of insurance regulations across all 50 states
We know the tactics used by America's largest insurance companies
America's largest auto insurer
Government Employees Insurance
Good hands people
Name your price tool
Military members insurance
Insurance exchange
See how we helped Americans fight insurance companies and win
State Farm • Hail damage total loss
Initial Offer: $31,500
Final Settlement: $50,000
Issue: State Farm used national average instead of Texas market pricing, ignored luxury features and low mileage premium.
Strategy: Texas-specific market research, luxury vehicle comparables, Texas Insurance Code citations, prompt payment violations.
Citizens Property • Roof and water damage
Initial Offer: $45,000
Final Settlement: $80,000
Issue: Citizens excluded wind-driven rain damage, underestimated roof replacement costs, denied code upgrade coverage.
Strategy: Weather data correlation, Florida building code requirements, independent engineering report, AOB regulations.
GEICO • Collision total loss
Initial Offer: $42,000
Final Settlement: $54,500
Issue: GEICO used generic EV depreciation, ignored Tesla software updates, excluded Autopilot package value.
Strategy: Tesla-specific market research, software package documentation, California Prop 103 citations, EV specialist consultation.
State-specific analysis and federal law compliance
Upload your insurance policy, claim documentation, adjuster reports, and any state-specific forms.
Our AI analyzes your state's specific insurance laws, bad faith statutes, and regulatory requirements.
Get state-compliant demand letters with legal citations, market evidence, and bad faith warnings.
Typically achieve 25-50% higher settlements with professional documentation and state law compliance.