When insurance companies evaluate injury claims, they rely on standardized formulas created to minimize the value of claims. This reduces cases to medical codes, estimated expenses, and historical averages. In this system, a catastrophic injury can be treated like just another file: calculated, categorized, and quickly resolved. John Coco refuses to let his clients be defined by a spreadsheet.
He understands that no two injuries are alike. Every case involves a unique person with their own career path, family responsibilities, and long-term challenges. That’s why he takes the time to build cases that reflect each client’s full reality—not just the surface-level facts. By doing so, he ensures that settlement offers reflect the true cost of the injury, not just an industry standard.
Why Insurance Companies Want to Standardize Every Case
For insurance adjusters, standardization is efficient. They calculate a case’s value using average treatment costs, wage loss estimates, and previous settlement data. It’s a system designed to minimize variability—and ultimately, payouts.
But injuries don’t follow a formula. A back injury might appear similar across two cases on paper but have completely different outcomes depending on the individual. One person might recover with time and return to work, while another may never regain the same level of function. The financial, emotional, and personal impact can vary widely—yet this nuance is often ignored in early settlement offers.
John Coco makes sure that never happens to his clients. He challenges assumptions that “similar” cases should result in similar payouts, and he builds each case around the distinct impact it has had on his client’s life.
How John Coco Builds Cases That Reflect the Full Picture
Coco’s process is detailed, focused, and client-specific. He works with medical professionals, vocational experts, and financial analysts to understand the long-term consequences of an injury—not just the immediate costs. He then builds a clear, humanized case that goes beyond what standard evaluations capture.
In one case, a client with a spinal injury received a low settlement offer based on other cases with comparable diagnoses. But Coco showed that his client’s outcome was entirely different. The client had a physically demanding construction job they could no longer return to, and the injury permanently altered his earning capacity and independence.
Coco demonstrated the long-term financial impact, including future medical care, loss of a career, and the emotional toll of the injury. The result: a seven-figure settlement that gave the client the stability and resources he needed to move forward.
Why Personalized Legal Strategy Makes a Real Difference
Coco takes on a limited caseload so he can focus on every detail of each client’s case. This allows him to craft individualized strategies that reflect the full scope of an injury’s impact. Rather than allowing insurance companies to define the value of a case based on averages, he presents a compelling case for why each client’s needs should be reflected in their settlement.
This approach often results in just outcomes. Clients don’t just receive compensation; they receive the ability to rebuild their lives with less stress and uncertainty.
Final Thoughts
Insurance companies may rely on formulas—but John Coco relies on facts, clients’ stories, and strategy. His commitment to understanding each client’s unique challenges ensures that no one is reduced to a data point.
By advocating for individualized justice, he helps injury victims receive the full compensation they need to recover—not just from their injuries, but from the uncertainty that follows. With the right approach, no one has to settle for less simply because an algorithm says so.