How do auto insurance companies determine settlement amounts?

Insurance companies determine settlement amounts by examining many factors. Insurance carriers examine the liability or responsibility of the at-fault party, otherwise referred to as the insured. The insurance carriers also examine the medical expenses incurred and lost wages incurred. However, insurance carriers also use negative factors, such as past claims, pre-existing conditions, criminal background checks, background investigations, and accident scene pictures or photographs which minimize the force of impact. Obtaining an attorney for an insurance claim will oftentimes render a larger settlement.