Some insurance companies use a program called
Colossus, or some variation of it, to settle insurance claims. Essentially, it is designed for the adjuster to insert certain numbers pertaining to your case and injury. It determines the amount that you will receive for your claim. Therefore, its intent is to insure that companies award amounts of money based on certain standards. However, because it is a computer program, it is susceptible to returning inappropriate amounts based on subjective injuries, such as pain and suffering.