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Responding to a Low Settlement Offer from an Insurance Company

So you’ve been hurt in an accident and you’re trying to figure out how to deal with the insurance adjusters. You know that the offer they’ve made to you is way too low, but you don’t really know how to change that.

It’s probably really important for you to get this right because this is your chance to obtain fair compensation for an accident you didn’t cause. Once you agree to an offer, you won’t likely have another chance to obtain additional money for your injuries.

That’s why you need to know everything about responding to a low settlement offer from an insurance company. If you need help with this step, a personal injury attorney from our firm is here for you.

How to Respond

When you’ve made a demand to the insurance company and it has countered with an offensively low offer, call an attorney for help with these steps:

1) Carefully Consider the Offer

It’s easy to get emotional about money. After all, your future financial wellbeing is on the line. But don’t let your emotions get the better of you. Carefully consider the offer, and ask questions as to why the insurer believes this offer is fair.

2) Politely Decline the Offer

After you’ve considered the offer and received full answers to your questions, if you feel the offer isn’t fair, write a formal letter detailing why you’re declining the offer. Ask your attorney for help with this step.

Your letter should be carefully thought out. You should be arguing your case by pointing out the evidence that backs up the amount of compensation you’re requesting. For each point you make, provide a reference to your evidence.

3) Make a Counteroffer

Finally, make a counteroffer. Again, show the insurance company why you deserve this amount, and prove that you could likely get this amount if you were to take the case to court.

Call a Riverside Personal Injury Lawyer

Responding to a low settlement offer from an insurance company isn’t an easy thing to do. If you don’t know much about negotiating with insurers, you may find yourself missing out on money you’re owed for your injuries and damages.

To see if an attorney can help you with your claim, contact Dickson Kohan & Bablove LLP. You can talk with us about your claim during a free consultation. Simply complete the form at the bottom of the page or call us directly at 1-844-404-2400.