What should I do if my insurance company gives a very low offer to settle my car accident?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 18, 2011

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Insurance Question from Elgin, IL

Asked on 10/18/2011

What should I do if my insurance company gives a very low offer to settle my car accident? I was in a car accident back on April 22 of this year. I was not at fault. The driver had no insurance so I filed a claim through my insurance provider. I had gone to my doctor 3-4 times and then started physical therapy. I was also on medical leave from work for a month. She is trying to say that being injured for only a couple months isnt bad. I had a spinal and cervical sprain. She only want to give me bare minimum back as a settlement. I know the first offer is usually low but this was crazy. What do I come back with from this point?

Answer given on October 20, 2011

Not knowing the total amount of your medical bills, the amount of lost wages or the amount of any Rx bills or the like, I am unable to determine the value of your claim.  You did not mention her opening settlement offer.  But you are right, the first offer by any insurance company is usually low. Read this article How to Know When Your Car Settlement Offer is Too Low on Freeadice.com website.  If you are still unsure, consult with an attorney.  Most will give you a free consultation and free advice is invaluable.  Use our link to find an attorney in your area that will advise you on how to proceed and how to obtain the fair settlement that you deserve.  Click here to contact an attorney in your area. 

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