What is Colossus in the Insurance industry?

 

When negotiating a personal injury claim, many accident victims assume an insurance adjuster fairly evaluates their case. However, most major insurance companies use Colossus, a computer program designed to minimize payouts for injury claims.

Unlike a jury or a judge, Colossus lacks the ability to assess human suffering. It calculates settlement values based on data points, ignoring critical X-factors such as:

✅ Pain & Suffering – The daily discomfort and emotional toll of an injury.
✅ Loss of Enjoyment – Inability to participate in hobbies or daily activities.
✅ Impact on Relationships – Strain on family and social connections.
✅ Emotional Distress – Anxiety, stress, and trauma caused by the accident.

How Does Colossus Work?

Colossus evaluates claims using strict formulas and pre-programmed injury values. The program assigns a settlement range based on:

Medical Diagnoses & Treatment – More serious injuries generally receive higher values.
Lost Wages – The length of time missed from work impacts the calculation.
Accident Location – Some areas, like St. Louis, tend to result in higher jury awards.
Attorney Reputation – Insurance companies offer larger settlements if your lawyer has a track record of winning trials.

However, Colossus ignores personal circumstances that make every case unique. It doesn’t recognize how an injury affects an individual’s life beyond the medical reports.

Why Colossus Fails to Capture Human Suffering

A jury listens to testimony, sees how an injury impacts daily life, and understands pain and suffering. In contrast, Colossus doesn’t distinguish between:

❌ A devoted parent who can no longer pick up their child without pain.
❌ A construction worker who lost the ability to earn a living.
❌ A young athlete whose career ended due to an injury.

For instance, a jury in St. Louis might not award damages based solely on medical terminology. But when they see a mother struggling to care for her child, their verdict reflects real human impact. No computer program can replicate this level of understanding.

How Mutrux Firm Injury Lawyers Can Help

At Mutrux Firm Injury Lawyers, we know how insurance companies use Colossus to undervalue claims. That’s why we:

✔️ Negotiate aggressively to ensure a fair settlement.
✔️ Challenge lowball offers based on Colossus calculations.
✔️ Prepare every case for trial to maximize compensation.

If an insurance company is offering less than you deserve, we will fight to prove the real impact of your injury—something Colossus can’t measure.

Contact Us for a Free Case Investigation

Don’t let Colossus decide what your injury is worth. If you were injured in St. Louis or Columbia, our team at Mutrux Firm Injury Lawyers is ready to help.

Call us today at (314) 270-2273 or visit www.tysonmutrux.com to schedule your free case evaluation.