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Responding to a Low Settlement Offer from an Insurance Company

Negotiating with insurance companies is a part of the process of filing a personal injury claim against someone responsible for hurting you. But responding to a low settlement offer from an insurance company is something you may not know how to do.

If you don’t handle this important step in the process correctly, you could lose compensation that’s rightfully yours. Insurance is designed to protect the negligent party from liability for damages when that person hurts someone else. Unfortunately, insurance companies aren’t going to make the process easy for you.

Why Insurance Companies Can Be Difficult to Handle

These companies are in the insurance business for the money they can make, and they want to pay out on as few claims as possible. If they must pay, they want to get you to agree to the lowest possible settlement amount they can.

One of the tactics they will use to take advantage of you is to offer you a quick, low settlement. Why would you take a low settlement offer? Many people take the low offer because they’re in a hurry to get the money they need to pay off their medical expenses and other accident-related costs.

Accepting that first low settlement isn’t a good idea. Accident victims don’t always realize that agreeing to that low settlement amount will mean they aren’t getting the full value of their claim. So how should you respond when insurance companies offer you a ridiculously small settlement?

Responding to the Insurance Company’s Low Settlement Offer

When you receive that low settlement offer, this is generally how you should respond to it:

  • First, you will want to tell the insurance adjuster that you’re rejecting the offer.
  • Next, list the reasons why the offer is not adequate to reimburse you for the damages you’ve requested. You should list each of your damages and explain your losses.
  • Finally, include a demand for a higher settlement offer that more accurately compensates you for your losses.

Keep in mind that every case is different, and a qualified lawyer can tailor legal advice to your unique circumstances.

Meet with an Austin Personal Injury Lawyer

Attorneys at the Colley Firm, PC have years of experience negotiating fair compensation from insurance companies. We can get you the money you’re owed, and we know just how to respond to a low settlement offer from an insurance company.

Tell us about your case during a free case review. Call 1-877-411-2001 or fill out the form below to reach us.