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Should You Reject a Low Settlement Offer?

August 21, 2015 Personal Injury

After an injury, you’ll most likely be awaiting an insurance settlement for your losses. You dutifully submitted your claim, with all the requested documentation, and then waited patiently for the insurance company to get back to you.

But what if the settlement offer is too low? Maybe it doesn’t cover all your expenses and lost wages, or maybe you’ve experienced a lot of pain and they’ve offered nothing for your pain and suffering. Do you have to simply take whatever the insurance company offers?

Not necessarily. There are two important things you should know about insurance settlement offers.

  1. Your first offer will be low. Insurance companies almost invariably begin with a low offer, some percentage of what their calculations say your case is actually worth. They expect you to reject and counter with a higher offer.


They have nothing to lose and everything to gain by this practice. For all they know, you’ll accept the lowball offer and move on. If you don’t, they’ve given themselves room to negotiate.


  1. You’ll almost certainly get a higher offer if you have a lawyer on your side. Insurance companies know what your case is worth, and love it when you don’t. They know that if you’re working with a personal injury attorney, they’ll have to pay more.

If you feel the settlement you’re offered is too low, you absolutely should refuse it. Contact an injury lawyer and discuss your matter.

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