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What to Do About a Low Settlement Offer

Updated April 30, 2019 | By Wilson Kehoe Winingham staff

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.

Your First Offer Will Be Low

Insurance companies almost invariably begin with a low offer—a small percentage of what their calculations say your case is actually worth. They expect you to reject and counter with a higher offer.

Why? Because insurance companies 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.

You’ll Get a Higher Offer with an Attorney

In almost all cases, having a lawyer on your side will get you a higher offer. 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.

Accept or Refuse?

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

Contact a Personal Injury Attorney Today

If you or a loved one have been injured as a result of another person’s negligence, you are urged to contact the Indianapolis Personal Injury Attorneys of Wilson Kehoe Winingham. The lawyers at WKW can help you get the compensation you deserve. Call 317.920.6400 or fill out an online contact form for a free, no-obligation case evaluation.

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Let WKW put our experience to work for you. Contact us for your free case evaluation.


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