Why Don't Insurance Providers Want You to Hire an Attorney?

Experiencing an accident can leave you feeling overwhelmed and uncertain about the future. The aftermath often includes mounting medical bills, lost wages, and the challenges of recovery. While insurance firms may appear eager to assist, remember that their primary goal is to protect their own interests by minimizing payouts. This is where consulting a lawyer after an accident becomes indispensable.

Let’s explore why insurance providers don’t want you to hire an attorney, how hiring an attorney is important, and how legal representation can make a significant difference in the outcome of your case. If you have been seriously hurt in an accident and are facing an insurance provider that doesn’t want you to get legal representation, call our Ohio personal injury lawyers at Cooper Elliott for a free consultation.

Understanding Why Insurers Want You to Go It Alone

Insurance companies use various tactics to deter accident victims from seeking legal help. Their strategies often include:

Low Settlement Offers: Proposing quick, lowball payouts that undervalue your claim.
Creating Urgency: Suggesting that involving an attorney will delay the settlement process or complicate matters.
Misleading Information: Providing vague or incorrect details about your rights or the claims process.

These tactics aim to discourage you from fully understanding your rights and the true value of your claim. Studies show that individuals with legal representation often receive significantly higher settlements than those handling claims alone.

For a free legal consultation, call 614-481-6000

The Role of Adjusters and Bad Faith Practices

An insurance provider hands a pen to a policyholder to have them sign a document without going through legal representation.

Insurance adjusters are trained to minimize claim payouts, and some of their actions may even border on bad faith practices. Common adjuster tactics include:

Pressuring Early Settlements: Encouraging you to accept an offer before completing medical treatment, leaving you undercompensated.
Minimizing Your Injuries: Downplaying the extent of your injuries or the long-term impact on your life.
Using Legal Jargon: Confusing you with complex terms to make you hesitant about challenging their offers.

These practices exploit the lack of legal knowledge most individuals have, resulting in settlements far below what victims are entitled to. If you feel overwhelmed by insurer negotiations, contact us at Cooper Elliott to protect your rights.

How Legal Representation Can Make a Difference

Hiring a personal injury attorney significantly improves your chances of receiving fair compensation. The key benefits of having legal representation include:

Expert Knowledge: Attorneys understand Ohio-specific laws, insurer tactics, and the claims process.
Accurate Claim Valuation: They assess damages comprehensively, including future medical costs, lost wages, and non-economic damages like pain and suffering.
Negotiation Advantage: With legal backing, insurers are less likely to lowball or delay settlements.

A lawyer ensures that every detail of your case is considered, maximizing your compensation.

Ohio’s Unique Legal Landscape

Ohio’s modified comparative negligence rule allows you to recover damages if you’re 50% or less at fault. However, your compensation is reduced by your percentage of fault. We discuss more about this rule in our blog regarding compensation when not wearing a seatbelt. Additionally, Ohio has a two-year statute of limitations for most personal injury cases, emphasizing the importance of timely action.

An experienced personal injury attorney ensures your case complies with Ohio’s specific laws, including filing deadlines and non-economic damage caps. They can also guide you through complex legal waters, giving you the best chance of a favorable outcome.

Click to contact our personal injury lawyers today

Cooper Elliott Can Help You Deal With Insurance Companies

Handling the aftermath of an accident is challenging, and insurance companies often discourage legal representation to protect their bottom line. Understanding more about why insurance providers don’t want you to hire an attorney starts with hiring an experienced personal injury lawyer. This levels the playing field, ensuring you receive fair compensation for your damages. At Cooper Elliott, we offer free consultations and work on a contingency fee basis, meaning you owe no fees unless we win your case.

Don’t let insurer tactics deter you from seeking justice. If you have questions or need help, contact us at Cooper Elliott to discuss your case and explore how we can support your journey toward justice.

Complete a Free Case Evaluation form now

Frequently Asked Questions

What Is a Bad Faith Insurance Claim?

A bad faith insurance claim arises when an insurance company fails to honor its obligations in a fair and reasonable manner. This can include unreasonably denying claims, delaying investigations, misrepresenting policy terms, or offering settlements far below the claim’s value. With legal assistance, policyholders can hold insurers accountable for unfair practices and potentially recover damages beyond the original claim amount.

How Can I Prove Bad Faith by Insurers?

Proving bad faith by insurers involves demonstrating that your own insurance company unreasonably denied, delayed, or underpaid a valid claim. An attorney experienced in bad faith cases such as those at Cooper Elliott can help collect evidence of the insurer’s actions, such as ignoring relevant information, failing to conduct a proper investigation, or misrepresenting policy terms, to build a strong case.

Call or text 614-481-6000 or complete a Free Case Evaluation form

Contact Cooper Elliott today

Recent Reviews

Click here to review us on Google

A Mape

19:05 16 Mar 25

Rex Elliott at Cooper Elliott is truly exceptional. He was the perfect balance of empathy and toughness—understanding my issue deeply while giving me unwavering confidence throughout the entire process. One of the things I appreciated most was how easy he was to reach and communicate with, always making me feel heard and supported. Thanks to his expertise, we had a resolution within just three days and received everything we asked for. I couldn’t have asked for a better advocate. Rex is simply the best! Highly recommend!

official PRODICAL

18:35 19 Feb 25

I spoke on the phone with a young lady name Tammy, an absolute angel. She was there for me emotionally through the phone after my financial crisis and she allowed me to vent and she was very supportive and understanding to me. She led me in the direction on the right ladies for my current situation and I am very thankful to have crossed paths with her. She had a sense of humor that brought my mood from down to back up and trusting faith we will get thru this. Thank you again for the motivation Tammy.

Tammy McKinney

22:27 08 Jan 25

I was t-boned in an intersection on my way to work. It was terrifying. Officers on scene indicated the man who hit me was being cited. Then they learned he is a local celebrity and decided against it. My car was totaled and I was in pain. And now this guy gets to walk away. Until Sean Alto and his paralegal Kim got hold of my file and said - hold up - not on my watch. They dug in, found the evidence and made it right. Thank you all so much!! Highly recommend.

Christina Coppel

13:06 16 Oct 24

I worked with Rex and Adam along with multiple others. The team was extremely knowledgeable and transparent through my entire case to help me best understand my options. I felt supported during a very difficult time and was confident in the advice I received.

Sara Eldred

23:35 03 Aug 24

I am incredibly grateful for the exceptional service provided by Sean Alto, Ben Cooper, Sommer Donnelly, and the entire team at Cooper Elliott during my personal injury case. Sean took on my case with urgency, compassion, and expertise that made a challenging time filled with uncertainty much more manageable.Their thorough understanding of the legal process, combined with a compassionate approach, ensured that I felt supported and informed every step of the way. They fought tirelessly on my behalf, resulting in a settlement that exceeded my expectations.I highly recommend Sean, Ben, or any of the phenomenal experts with Cooper Elliott to anyone in need of a personal injury attorney. Their commitment to their clients and their ability to achieve outstanding results truly sets them apart. Thank you, Sean and the Cooper Elliott team for your hard work and for helping me achieve justice. I couldn't imagine going through something like this with anyone else.

Michelle Clever

21:51 16 Jul 24

Attorney Kaela King is an exceptional legal professional who I wholeheartedly recommend for anyone seeking expert legal counsel. Attorney King demonstrated unparalleled dedication, expertise, and empathy.Her deep knowledge of the law combined with her sharp analytical skills ensured that every aspect of my case was thoroughly examined and strategically handled. What truly sets Attorney King apart is her genuine care for her clients. She took the time to listen attentively to my concerns, explained complex legal jargon in a clear manner, and always kept me informed about the progress of my case.Throughout the entire process, Attorney King exhibited a high level of professionalism and integrity. She approached each challenge with confidence and determination, consistently advocating for my best interests. Her proactive approach and meticulous attention to detail instilled a sense of confidence in me that I was in capable hands.Thanks to Attorney King's hard work and dedication, I am immensely grateful for her support and guidance during a challenging time. If you are searching for a trustworthy and highly skilled attorney who genuinely cares about her clients, look no further than Attorney Kaela King. She is a true advocate for justice and a beacon of excellence in the legal profession.

Steven Ulry

13:47 10 Jul 24

For the most part when you need legal representation something has not gone well. You are concerned, anxiety is up, you feel low, even frightened, and there does not seem to be a light anywhere around. Thus, I am very happy that I called CooperElliott. Much of that despair began to lift, I knew I had someone behind me, in front of me, beside me, and that I was not alone. I was treated like I had been a client for forever by everyone I was in contact with and met with. A great firm that will fight for you, and that means a great deal when you need someone who will do that with you. Thank you CooperElliott.

Felix Santiago Miralles Hernandez

15:35 09 May 24

Ben good lawyer, he schedule a zoom to hear my case. Could not help me, but he answer every question i had. Help me what i need to do next, i was very helpfull. Recommended. Type of lawyer that is no looking fo the money, he really wanted to help.

Megan Frognowski

13:14 29 Apr 24

I highly recommend Kaela King. She provided efficient and effective legal consultation over the phone and via email. Her communications were clear, timely, and respectful.

Annie Lewis

18:41 23 Apr 24

I highly recommend Kaela King. She provided compassionate and supportive legal consultation over the phone that provided me with clear guidance and answers to my legal questions.

Federico Rubiano

19:47 05 Apr 24

Even though Mr. Cooper wasn’t able to take my case, he was kind enough to point me in the right direction and answer all my questions, regarding my matter. I appreciate your time!

Kim Hoover

14:54 03 Apr 24

Through the law firm Cooper Elliott, I dealt with attorney, Bart Keyes. Bart was very thorough and understood that I Had no clue of how this process would go. Bart took the time needed to help educate me on this process for a very positive outcome.I can’t thank Bart and the staff at Cooper Elliott enough for all they have done for me. I am now able to move on with my life!

Anthony Johnson

16:51 29 Mar 24

My name is Anthony Johnson and I just spoke with Ben Cooper about a wrongful accusation case, unfortunately they don't take on cases such as these but Ben gave me some valuable information and I could tell he really was trying to help me. Very knowledgeable and a great listener. Give him all call for anything law related. Made me feel important.

Brian Hewitt

03:46 23 Mar 24

I worked with Adam Richards and his team. They were empathetic to my situation and extremely professional. I don't know what I would have done without their expert guidance and counsel. Adam really knows his stuff, and it was clear he had an excellent rapport with all who assisted in the case. Adam's communication abilities were next level. I never had to worry about getting ahold of him when needed. I know he and his team will continue to knock it out of the park for all future clients like they did for me.

Chris Sullivan

14:10 02 Mar 24

My husband, Bob and I were injured in an automobile accident in December, 2022 when someone came through a Stop sign. We contacted Cooper Elliott, and were fortunate to work with Sean Alto and Kaela King. They came to our home several times to meet us and discuss the case, and got to know us personally as well as professionally. They really care about their clients! In addition, Michael Tonovitz stayed in contact with us to keep us informed on the progress of the case, which was resolved to our satisfaction.We highly recommend this law firm for personal injury!

Dads Specialty

14:06 15 Feb 24

Highly Recommend Jon with Cooper & Elliott firm. He was very responsive and went above and beyond to help with our situation. Can't thank him enough for everything he has done for us. He will be our "Guy" moving forward for any legal help!!

Ayesha Ansari

23:14 25 Jan 24

Excellent firm i am so glad I found cooper Elliot. My attorneys Jon and Adam helped me through the entire process

Katie Farina

15:39 21 Dec 23

I am so glad I found cooper Elliot. My attorneys Jon and Adam helped me through the entire process. After a traumatic experience in my life I was confused and in pain. They worked tirelessly to become familiar with all the details of my story and represented me in a way that made me more able to process and understand the trauma myself. This was huge for me, while there’s still healing to do, I can do that work now instead of staying in a purgatory of cognitive dissonance. They didn’t just win justice for me, they are a significant part of my healing journey. They were validating, non judgmental, honest, and knowledgeable.

Cindi Rourk

17:29 15 Dec 23

Excellent firm. The firm was referred to us for a commercial dispute. Bart Keyes is a master negotiator and kept us informed at all times. Highly recommend.

A D

16:10 08 Dec 23

Jonathan Bond handled a personal injury claim for me quickly with maximum results. He’s pleasant and enjoyable to work with, as well as compassionate. The firm handled all the legwork of getting medical records and copies of paperwork, which not all firms do. I would recommend Jonathan to anyone and would definitely go back to him if the need were to arise again.

Joe Miller

12:19 02 Sep 23

Very satisfied! We dealt with Bart Keyes who showed genuine interest in our situation. Bart was always very quick to respond when we had questions and kept us informed throughout the case. If you need legal representation for a commercial real estate dispute we highly recommend Bart and the Cooper Elliot firm!

Melanie Zook

08:42 23 Jul 23

I honestly struggle to find the words to describe how incredible this firm is, especially Jeffrey Kenny and Sean Alto. 7 years ago, my family started a journey through a nightmare. When the criminal justice system fell woefully short, Jeff agreed to take on our incredibly challenging and lengthy case, with no other reason than that it was the right thing to do, and he believed we deserved justice. There were so many times when I would have understood if they walked away, but they refused and vowed to get us the justice we deserved, and almost 7 years later, they have given my family just that. I will never, ever, forget what they have done for us. We were never just another case. They made us feel like we were their ONLY case! Thank you will never come close to the gratitude and respect I have for Jeff and Sean, as well as for Cooper Elliott. They will be superheroes in our home, forever!

CM Buzzard

15:30 21 Jul 23

Everyone from top to bottom in this company is always polite and ready to help. and no matter what is thrown their way, it's handled quickly and skillfully. Whoever represents you will show themselves to be a master in their craft. You can feel safe working with Cooper Elliott.

Matt Boaz

11:20 16 Jun 23

I would highly recommend Cooper Elliott to any of my friends and family! Chip Cooper was extremely helpful guiding me through a difficult process. Chip was patient with me and provided feedback during the process that kept me informed until the desired outcome was achieved. There were interactions with other staff of the firm (whose names I do not know) that were helpful as well, I was impressed with the entire team!

Jason Hick

06:30 17 May 23

Adam Richards is the best attorney I have ever met. He is responsive and very patient (I had a lot of questions) and he truly cares. He fought hard for me and he stands up to the bully. he is not afraid to take on anyone. Anytime I hear someone who has a legal issue I go out of my way to recommend Adam. He is unlike any attorney I have ever met. He is compassionate and he always answers his phone. There is no way I would have got the results I received with any other attorney. He was a bulldog in my case and really went to bat for me. Words cant express how grateful I am to him. His actions personally affected my life in a very positive way. He protected me in so many ways I couldn't begin to name them. It is a great feeling when you know your attorney outmatches the other party's attorney and it is obvious.

Why Don’t Insurance Providers Want You to Hire an Attorney?