When insurance companies evaluate a car accident claim, they look at several key factors to decide fault and determine the amount they’re willing to pay. In Citrus Heights, insurers rely on police reports, medical records, photos, witness statements, and driver statements to build their case. The first step for an adjuster is to assign liability. They do this using the evidence you provide along with their own investigation. For this reason, submitting detailed and accurate documentation from the start is important. Gaps in evidence or delays in treatment can weaken your case. Next, they assess damages. This includes your vehicle repair bills, medical costs, and proof of lost wages. Adjusters also calculate general damages like pain and suffering, but these are subjective and often undervalued by insurance. Insurance companies aim to minimize payouts. They may use internal software to generate lowball offers or look for reasons to delay or deny your claim. That’s why working with a local Citrus Heights car accident lawyer is beneficial—they know how to negotiate, challenge insurance tactics, and push for fair compensation. If your claim involves disputed fault or serious injuries, legal representation is almost always recommended to ensure you’re treated fairly.