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Contact the Law Offices of James Scott Farrin
Contact the Law Offices of James Scott Farrin 1-866-900-7078

Is it True Insurance Will Pay Me a Fair Workers’ Comp Settlement?

Once you've reached maximum medical improvement (MMI) and the insurance company insists your injuries are as good as they're going to get, it's time to settle with them. Buyer beware: the insurance company may not be looking out for your best interests when it comes time to settling your workers' comp claim.

I base that assumption on more than 10 years of experience representing workers' compensation clients, many of whom saw firsthand the lowball compromises some insurance companies have been known to offer.

Insurance Companies are Profit Driven to Increase Their Bottom Line

Most insurance companies are for-profit companies. They have shareholders to answer to. Among the many ways they seek to increase profits to satisfy shareholders is to pay out less money on claims than they take in on premiums.

In order to pay out less on claims, my experience has been that they tend to try to limit their payments in any way possible - including denying, delaying, and limiting the amounts of workers' compensation claims and medical benefits. They have hundreds of people who compute complex equations called algorithms, and employ data analytics spreadsheets that run pages and pages of figures to determine the least amount of money they can pay you.

Even if you have the friendliest adjuster in the world, how can he or she compete with that?

I've seen some insurance company representatives manipulate when checks are mailed,  deny medical treatment, or come settlement time, try to shirk that financial responsibility too.

That's not right. Plain and simple.

Many clients come to us to help sort things out after they've been surprised to learn that the company they trusted did not have their best interests in mind after all.

An Experienced Attorney May Be Able To Help You Reach a Fair Settlement

If you are worried about a fair settlement, here's why I recommend you consider allowing the Law Offices of James Scott Farrin to help you determine if you have a claim.

We can help you determine your options. A settlement means you're one step closer to getting back control of your life from the insurance company. Yet it also means you're responsible for your own future medical treatment for your injury, in most situations. You need to make sure you are covered and have a plan regarding access to future medical treatment.

We handle insurance claims all day, every day. The insurance company handles claims all day, every day. So do we. This may be the only claim you've ever dealt with. An experienced workers' compensation attorney can provide you information you need to help level the playing field.

We know worker's comp laws inside and out. But don't just take our word for it. In a peer-reviewed survey, the Law Offices of James Scott Farrin was named a Tier 1 firm (the highest ranking) for Workers' Compensation in the Greater Raleigh Metro area by U.S. News - Best Lawyers® "Best Law Firms" in 2016*.

Our attorneys are experienced negotiators. A settlement can affect you and your family's finances and lives for years to come. It is vitally important to make sure you come away from settlement with as much as possible for future medical expenses. If you tackle a settlement without experienced representation you are "going in blind" to a negotiation that is extremely important to you and everyone around you.

In any complex legal situation, such as a worker's compensation claim, it is prudent to seek out as much information as possible about all options available under the law. Contact our firm for a free case evaluation to determine if our legal team can help.

Our workers' comp staff at the Law Offices of James Scott Farrin, is comprised of six North Carolina Board Certified Workers' Compensation Specialists, a former Special Deputy Commissioner and a former Deputy Commissioner from the North Carolina Industrial Commission, (one of whom was a former state senator), and others who used to work for workers' compensation defense firms. Click here for a free case evaluation or call us at 1-866-900-7078.

* Visit for more information about criteria for inclusion.


Mr. Jennings joined the Law Offices of James Scott Farrin in 2006. He is presently a shareholder and practices in the Firm's Workers' Compensation Department. He received his J.D. with honors from the University of North Carolina School of Law, and graduated magna cum laude from North Carolina State University, where he received his B.S. in Animal Science.

Since obtaining his law degree, Mr. Jennings has practiced in the area of workers' compensation, and is now representing workers having suffered catastrophic injuries as a result of a work accident.

Contact Information

Asheville Law Office

300 Ridgefield Court Suite 309
Asheville, NC 28806
Phone: 828-552-8215
Toll Free: 1-866-900-7078

Charlotte Law Office

301 S McDowell St, Suite 900
Charlotte, NC 28204
Phone: 704-599-1078
Toll Free: 1-866-900-7078

Durham Law Office

280 South Mangum Street, Suite 400
Durham, NC 27701
Phone: 919-688-4991
Fax: 800-716-7881

Fayetteville Law Office

2915 Raeford Road, Suite 204
Fayetteville, NC 28303
Phone: 910-488-0611
Toll Free: 1-866-900-7078

Goldsboro Law Office

1308 Wayne Memorial Drive, Suite B
Goldsboro, NC 27534
Phone: 919-731-2581
Toll Free: 1-866-900-7078

Greensboro Law Office

300 N. Greene Street, Suite 850
Greensboro, North Carolina 27401
Phone: 336-665-7072
Toll Free: 1-866-900-7078

Greenville Law Office

702 Cromwell Dr. Suite G
Greenville, NC 27858
Phone: 252-355-5205
Toll Free: 1-866-780-3227

Henderson Law Office

514 Dabney Drive, Suite 200
Henderson, NC 27536
Phone: 252-492-4600
Toll Free: 1-866-900-7078

Morganton Law Office

216 N. Sterling Street, Suite B
Morganton, NC 28655
Phone: 828-219-3080
Toll Free: 1-844-520-2894

New Bern Law Office

1505 South Glenburnie Rd, Unit P
New Bern, NC 28562
Phone: 252-634-9010
Toll Free: 1-866-780-3422

Raleigh Law Office

4325 Lake Boone Trail, Suite 100
Raleigh, NC 27607
Phone: 919-834-1184
Toll Free: 1-866-900-7078

Roanoke Rapids Law Office

709 Julian R. Allsbrook Highway
Roanoke Rapids, NC 27870
Phone: 252-537-9670
Toll Free: 1-866-900-7078

Rocky Mount Law Office

144 Woodridge Court
Rocky Mount, NC 27804
Phone: 252-937-4730
Toll Free: 1-866-900-7078

Sanford Law Office

703-B South Horner Boulevard
Sanford, NC 27330
Phone: 919-775-1564
Toll Free: 1-866-900-7078

Wilson Law Office

2315 Airport Blvd Suite A
Wilson, North Carolina 27896
Phone: 252-246-9090
Toll Free: 1-866-900-7078

Winston-Salem Law Office

301 N. Main Street, Suite 2409-C
Winston-Salem, NC 27101
Toll Free: 1-866-900-7078