22 Years on the Inside.
Now Fighting for the Other Side.

I spent over two decades learning every insurance carrier trick, tactic, and evaluation method. Now I'm using that knowledge exclusively to help plaintiff attorneys level the playing field.
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23 Years on the Inside.
Now Fighting for the Other Side.

I spent over two decades learning every insurance carrier trick, tactic, and evaluation method. Now I'm using that knowledge exclusively to help plaintiff attorneys level the playing field.
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Renee Soileau - About Red Stapler Project

How I Became an Accidental Insurance Insider

I never planned to spend 22 years in the insurance industry.

In 1999, after attending a job fair and passing several tests, I took a job as a claims intake specialist because I needed steady work and health benefits. I was curious, detail-oriented, and good with people—skills that served me well in those early days answering phones and routing claims.

What I didn’t expect was to fall into a decades-long education in how the insurance industry really works.

Phase 1

Learning the System (1999-2007)

Claims Intake Specialist → Litigation Specialist

Those first years were my crash course in insurance evaluation. I learned:

  • How carriers categorize and prioritize claims
  • The difference between what adjusters say and what they’re thinking
  • Early warning signs that separate straightforward claims from complex ones
  • The unwritten rules that determine which claims get fast-tracked

By 2002, I became a bodily injury claims adjuster, handling dozens of cases daily. This is where I first encountered Colossus—the software that would later become central to my expertise. I learned to input case details, interpret the valuations it generated, and understand the factors that drove those numbers up or down.

I was becoming fluent in the language insurance carriers speak.

By 2005 I was promoted to my first Litigation Specialist role where I first started processing claims I had handed pre-litigation after litigation was initiated working with defense firms across the country.

Phase 2

Mastering the Craft (2007-2014)

Sr. Field Bodily Injury Adjuster → Field Investigator

As a Sr. Field Bodily Injury adjuster, I continued processing complex cases—serious injuries, disputed liability, higher settlement values. I negotiated with attorneys daily, learning their strategies, their mistakes, and what made some consistently more effective than others. 

I was taught how to be a field adjuster, taking me out of the office and into real-world investigations. I:

  • Interviewed all involved parties including witnesses in person.
  • Ordered surveillance and medical evaluations
  • Assessed and documented accident scenes and property damage
  • Conducted cold calls and visited numerous government agencies to obtain copies of various reports and certificate copies.

As a field investigator, I learned how carriers identify and investigate potential fraud—not just obvious cases, but the subtle patterns and inconsistencies that trigger heightened scrutiny. I saw firsthand how documentation quality could make or break a legitimate claim.

I was seeing the full picture of how carriers evaluate, investigate, and value claims.

Phase 3

The Defense Perspective (2014-2022)

Litigation Specialist

My final role once again as a Litigation Specialist, again, gave me insight into the most contentious cases—those that were believed couldn’t be settled, or the ones where the carrier wanted to send a message, and were heading to trial. As a litigation specialist, I:

  • Worked directly with defense attorneys on identifying and following case strategy.
  • Helped train newly minted defense attorneys on insurance methods, procedures, and coverages.
  • Helped prepare files for trial and assisted with discovery.
  • Attended settlement conferences, mediations, and Small Claims Court hearings.
  • Understood how carriers set reserves for litigation and was part of the decision making process.

All of the roles I held showed me the gaps between what carriers know and what plaintiff attorneys typically understand about carrier evaluation and investigation methods.

I saw talented plaintiffs attorneys working twice as hard and leave money behind because they didn’t know what I knew.

The Day Everything Changed

After 22 years working, I’d built a successful career in insurance. I knew the systems, understood the software, and could predict carrier behavior with remarkable accuracy.

But something had been bothering me for years.

I watched claim after claim where legitimate injuries were undervalued because of fixable documentation problems. I saw attorneys submit demands that inadvertently triggered fraud flags, reducing their clients’ settlements. I witnessed good cases with preventable weaknesses that carriers exploited.  I saw how my creation of near perfect claim files based on the parameters set by the carrier was hurting injured people even further.

And I realized: I was on the wrong side.

Not because insurance carriers are evil—they’re not. They’re businesses following systems and guidelines are designed to protect their bottom line. That’s their job.

But someone needed to be explaining those systems to the attorneys representing injured people. Someone who’d spent decades inside, who understood the evaluation software, who knew which documentation gaps mattered and which didn’t, who could predict how carriers would respond to different negotiation strategies.

Someone like me.

In 2022, I made the decision to leave insurance and start Red Stapler Project.

Why "Red Stapler Project"?

If you’ve seen the movie “Office Space,” you know the red stapler represents something important: refusing to let bureaucracy strip away what matters.

In the film, Milton’s red stapler is the one thing he holds onto in a dehumanizing corporate environment. It represents dignity, individuality, and pushing back against systems that treat people as numbers.

That’s exactly what Red Stapler Project does.

Insurance carriers have sophisticated systems designed to evaluate claims efficiently—but efficiency often comes at the cost of humanity. Colossus doesn’t account for how an injury changed someone’s relationship with their child. Evaluation matrices don’t capture what it’s like to lose independence or live with chronic pain.

I named this business Red Stapler Project because:

  • I refuse to let the system dehumanize claims – Even while using the same evaluation methods carriers use, I never forget we’re talking about real people with real injuries.
  • I hold onto what matters – Empathy, kindness, and dignity in every interaction.
  • I push back against the machine – By teaching plaintiff attorneys how the system works, I help them challenge unfair evaluations and fight for better outcomes.

Plus, it makes people smile. In an industry that can be frustrating and adversarial, a little levity goes a long way.

How I Work (And Why It Matters)

Kindness is the Method

I didn’t leave insurance because I hate insurance professionals—many are good people doing their jobs. I left because I wanted to help balance the scales.

My approach is never about demonizing the other side or creating conflict. It’s about:

  • Understanding carrier constraints and working within them
  • Teaching negotiation from a place of respect, not antagonism
  • Helping attorneys communicate more effectively with adjusters
  • Finding win-win solutions when possible

Kindness isn’t weakness. It’s strategic. Adjusters respond better to attorneys who understand their position and negotiate respectfully. Plus, being a jerk is exhausting, and life’s too short.

"Don't Be a Jerk" is the Motto

This applies to everyone—plaintiff attorneys, defense attorneys, adjusters, claimants, everyone.

The insurance claims process is adversarial by nature, but it doesn’t have to be needlessly combative. I’ve seen negotiations break down not because of case weakness, but because someone’s ego got in the way.

I work with attorneys who:

  • Treat opposing counsel and adjusters with respect
  • Focus on case facts, not personal attacks
  • Understand that adjusters are often constrained by guidelines they didn’t create
  • Want to fight effectively, not just loudly

My goal is to help you negotiate powerfully while maintaining your integrity and professionalism.

Empathy is the Superpower

After 22 years evaluating claims, I learned something crucial: the best negotiators understand both sides.

Empathy means:

  • Understanding what carriers fear (fraud, excessive payouts, setting bad precedents)
  • Recognizing what adjusters need (documentation that justifies higher settlements to supervisors)
  • Knowing how to frame cases in ways that align with carrier evaluation methods
  • Seeing your case through their eyes so you can address concerns preemptively

This isn’t about sympathizing with carriers. It’s about strategic intelligence. When you understand their perspective, you can:

  • Anticipate objections before they arise
  • Document cases in ways that satisfy their requirements
  • Frame negotiations to work with their incentives, not against them
  • Identify when they’re genuinely constrained vs. negotiating in bad faith

Empathy is my superpower because it allows me to help you negotiate from a position of deep understanding—not just experience, but actual insider knowledge of what carriers need to see to justify higher settlements.

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What I Believe

I believe injured people deserve full compensation for their losses.

Not just what insurance carriers initially offer. Not what’s “reasonable” by industry standards that were designed to minimize payouts. What their injuries actually cost them in medical bills, lost wages, pain, and disrupted lives.

I believe plaintiff attorneys are fighting an uphill battle—and it shouldn’t be that way.

You represent people at their most vulnerable, often against corporations with unlimited resources and decades of institutional knowledge. That imbalance isn’t fair, and it’s not inevitable.

I believe transparency makes everyone better.

Insurance carriers guard their evaluation methods like trade secrets. I think plaintiff attorneys should understand those methods just as well as adjusters do. Knowledge shouldn’t be hoarded—it should be shared to create fairer outcomes.

I believe the system can work better without burning down.

I’m not anti-insurance. I’m pro-fairness. Carriers serve an important function, and most adjusters are doing their best within the constraints they’re given. But those constraints shouldn’t be invisible to the attorneys representing claimants.

I believe expertise without kindness is just arrogance.

I’ve spent 22 years working on the inside building specialized knowledge, but that doesn’t make me better than anyone else. It gives me a responsibility—to share what I know in ways that are accessible, actionable, and respectful.

I believe your clients are people first, cases second.

Every file I review represents someone’s pain, loss, and struggle to rebuild. I never forget that, even when analyzing their case through the cold lens of Colossus algorithms and settlement matrices.

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What I Know (And What It Means For You)

Technical Expertise

Colossus Claims Software

  • All versions and updates through 2022
  • Input methodology and scoring factors
  • Valuation algorithms and multipliers
  • How to optimize case presentation for higher scores
  • The hidden free-form field most adjusters don’t use

California Insurance Regulations

  • Section 2695.7 (Fair Claims Settlement Practices)
  • California Vehicle Codes relevant to injury claims
  • Legislative Code Section 790.03
  • Unfair claims practices definitions and applications
  • Regulatory compliance requirements for carriers

Medical Records Analysis

  • Reading and interpreting medical documentation
  • Identifying treatment gaps and their impact on case value
  • Understanding pre-existing condition arguments
  • Causation documentation standards
  • Medical provider credibility factors

Case Valuation Methods

  • Reserve setting protocols and authority levels
  • Settlement ranges by injury type, severity, and policy type
  • Methodologies for pain and suffering calculation
  • How carriers calculate future medical costs
  • Loss of consortium and other derivative claims

Fraud Detection Systems

  • Red flags that trigger heightened scrutiny
  • Identifying documentation that is likely to raise suspicion
  • Investigation triggers and processes
  • How to avoid false positives on legitimate claims
  • Difference between fraud indicators and fraud evidence

Strategic Knowledge

Negotiation Tactics

  • Common lowball strategies and how to counter them
  • When adjusters are at their settlement authority limit
  • How to trigger supervisor involvement strategically
  • Reading between the lines in carrier communications
  • Escalation processes within insurance companies

Documentation Standards

  • What carriers actually need to justify higher settlements
  • How to build bulletproof treatment timelines
  • Effective demand letter structures
  • Evidence presentation that aligns with evaluation systems
  • Digital vs. physical evidence considerations

Litigation Positioning

  • How adjusters assess case strength to obtain approval for trial authorization to defense
  • Discovery strategies from the adjuster perspective
  • Settlement conference dynamics
  • What makes carriers nervous about trial
  • Reserve increases during litigation

Carrier Behavior Patterns

  • Customary guidelines and practices between the different types of cases and policy types
  • Variations in settlement approaches
  • Patterns in settlement authority
  • How claims volume affects settlement behavior
  • When carriers are most motivated to settle

The Attorneys I Partner With

Red Stapler Project isn’t for everyone. I work best with plaintiff attorneys who:

✓ Are committed to maximizing client outcomes – Not just getting cases settled, but getting them settled for what they’re actually worth

✓ Value strategic preparation – You understand that pre-demand positioning is worth the investment

✓ Are open to learning – You don’t need to be a Colossus expert, but you’re willing to understand how carriers think

✓ Practice with integrity – You’re aggressive advocates for your clients without compromising ethics

✓ Handle personal injury cases in California – Primarily auto accidents, premises liability, general bodily injury

✓ Want a collaborative partner – Not just a consultant who drops off a report, but someone invested in your success

What I Don’t Do

To be clear about boundaries, I:

  • Don’t practice law – I provide consulting and education, not legal advice
  • Don’t serve as an expert witness – My value is in strategic consulting, not testimony
  • Don’t work with defense attorneys or carriers – I’ve chosen my side
  • Don’t work on contingency – My services require upfront investment
  • Don’t guarantee specific outcomes – I provide intelligence and strategy, not case results

Based in Southern California, Available Statewide

San Diego, CA

Location:
La Mesa, California
San Diego County

Service Area:
I work with plaintiff attorneys throughout California, both in-person and remotely.

How I Work:

  • In-Person Consultations – Available for San Diego area attorneys and willing to travel for training engagements
  • Virtual Consultations – Zoom meetings for case audits, strategy sessions, and consultations
  • Secure File Transfer – HIPAA-compliant systems for all case materials
  • Flexible Scheduling – Available during business hours and by appointment

Response Times:

  • Initial inquiries: Within 24 hours
  • Case audits: 5-7 business days after receiving complete files
  • Follow-up questions: Within 48 hours
  • Urgent consultations: Available by appointment

When I'm Not Analyzing Claims

After spending decades in conference rooms and behind computer screens, I’ve learned the importance of balance and perspective.

Outside of Red Stapler Project, you’ll find me:

  • Exploring San Diego’s trails and beaches – Nature reminds me what matters beyond case files
  • Going to any one of the many Farmer’s Markets – Getting the best produce and products from local small businesses to feed my family
  • Volunteering in the community – Giving back to the people and places that shaped me
  • Continuing education – Staying current on insurance regulations, claims technology, and legal developments
  • Connecting with clients – Not just as professionals, but as people with interesting lives and stories

I believe in bringing my whole self to this work – not just my expertise, but my humanity. That’s what makes Red Stapler Project different from corporate consulting firms. You’re not just hiring my knowledge; you’re partnering with someone who genuinely cares about your success and your clients’ outcomes.

Professional Involvement & Community

Professional Associations:

  • California Association of Personal Injury Lawyers (CAALA) – Affiliate Member
  • Consumer Attorneys of San Diego (CASD) – Proud Supporter
  • SDCBA DEI – Volunteer Member

Speaking & Education:

  • Lunch-and-learn sessions for law firms
  • Case-specific consultation and training

Industry Engagement:

  • Regular blog posts on insurance claims insights
  • Newsletter sharing insider tips and regulation updates
  • LinkedIn articles on claim evaluation strategies

Ready to Level the Playing Field?

Whether you’re working on a complex case that needs strategic positioning, you’re frustrated with inexplicably low settlement offers, or you want to train your team to negotiate more effectively—I can help.

The first step is simple: let’s talk.

In a free 30-minute consultation, we’ll:

  • Discuss your specific needs or case situation
  • Determine if my services are a good fit
  • Outline what a potential engagement would look like
  • Answer all your questions about the process

No pressure. No obligation. Just a conversation between professionals about how insider knowledge could benefit your practice.

“I spent 23 years learning how insurance carriers evaluate claims. Now I’m spending the rest of my career making sure plaintiff attorneys know it too. Because fairness shouldn’t depend on information asymmetry—it should depend on the facts of the case and the quality of representation.

Let’s work together to get your clients what they deserve.”

— Renée Soileau

© 2026 Red Stapler Project. All rights reserved.
Professional consulting services for plaintiff attorneys.

Disclaimer: Red Stapler Project provides consulting and educational services. We do not practice law, serve as expert witnesses, or provide legal advice. All services are designed to support attorneys in their representation of clients.