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Why You Shouldn’t Accept the First Offer for a Car Accident Injury Claim

Why You Shouldn’t Accept the First Offer for a Car Accident Injury Claim

At Daspit Law Firm, we know that navigating the insurance process after a car accident that results in serious injury can be a frustrating and complicated process. With costly expenses like medical bills and vehicle repairs, as well the lost wages from time away from work, we understand that these pressing issues can make it feel like you need to accept the first settlement offer from the insurance company so that you can regain your footing. Although you might feel overwhelmed by your financial needs, it might be in your best interest to decline the initial settlement offer from the other driver’s insurance company.

The Goal of Insurance Adjusters Is to Save Their Employer Money  

When you are dealing with insurance adjusters, it is important to remember that the adjuster’s top priority is to make money for the insurance company. When an insurance company reduces the payout for an accident or avoids it altogether, its profits increase. That is why the adjuster will make the first offer as low as possible while making it appear that they don’t have any wiggle room to give you all of the compensation you need to cover your damages.

Your Accident Damages Might Be Incorrectly Calculated

Never rely on the insurance adjuster’s calculations, conduct your own investigation to figure out the total cost of your injuries and the value of your pain and suffering. This requires collecting documentation and speaking to experts who can support your claim and explain the various implications of the necessary treatments you need or might need in the future, such as surgery or physical rehabilitation. You should consult with a seasoned lawyer for assistance with this area of the claims process.

Your Injuries Might Require More Medical Treatment

Another drawback of settling too soon with an insurance company is that the full extent of your medical expenses might not be clear. Remember, you can't go back to the insurance company for more money after you settle, even if you end up needing more medical treatment than you initially expected. You should allow your accident-related medical treatment to run its course so that you have a better idea of what your future medical costs will likely be. Being patient and waiting to get a complete picture of your medical treatment and bills will help you avoid being shortchanged by the insurance company.

If you or a loved one have been seriously injured in a car accident, please contact Daspit Law Firm today so we can put our skills and resources to work for you. We vigorously pursue all forms of compensation for our cients and are here to listen to your concerns. Call (888) 273-1045 for a free case review.