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Most insurance companies utilize a program called Colossus AI to evaluate customer claims and suggest a settlement offer. The problem is that the program is designed to protect corporate profits, not your rights.
The issue is that this program does not recognize anything that has not been included in doctors reports. This means it will assume your injuries are not as severe as they may be, and completely ignores potential treatment needs- unless they are expressly included in doctor reports.
The only way to level the playing field and fight for what you are entitled to is with the help of a HUMAN legal team.