After a serious collision, the other driver’s insurer moves fast — a friendly adjuster, a recorded statement, a quick offer that sounds reasonable when you’re hurt and the bills are arriving. That early number is rarely what the case is worth. It’s a measure of how little the carrier thinks it can pay.
What moves that number isn’t a louder demand letter. It’s a file the insurer can see is headed for a courtroom — documented liability, fully developed damages, and a lawyer with verdicts to his name. Carriers keep records of who tries cases.