Accident victims forced into unwanted direct negotiations with insurance adjusters

After a traffic collision, victims are pressured to communicate directly with the at-fault party's insurance company, creating a power imbalance where adjusters use aggressive tactics to minimize payouts. Victims lack legal knowledge and representation during these critical conversations, leading to accepting lowball settlements or having claims denied. Current solutions (hiring lawyers) are expensive and slow, leaving victims vulnerable during the immediate post-accident period when they're most desperate.