If you were hurt in a crash and an insurer already sent an offer, take a moment to think before you sign. Insurance companies often train adjusters to minimize payouts to keep their costs low. They may rush you, ask questions that sound friendly but weaken your claim, or make a quick offer that looks tempting but doesn’t take future costs into account.
If you suspect the figure on the table is too small, you may contact Goldwater Law to find a New York injury lawyer to review the full value of your case and ensure fair compensation.
1. The Offer Shows Only Current Medical Bills
When an adjuster writes a check that only covers your immediate medical bills, it can be a red flag. Your claim may also include future treatments, therapy, and possible surgeries. Additionally, lost wages and reduced earning potential should be part of the consideration. It may be helpful to consult with professionals who can provide accurate projections of long-term costs.
2. The Insurer Uses a Low or Generic Damage Formula
Some insurance companies apply a simple multiplier or fixed formula to injury claims without considering the unique details of your situation. This approach can overlook pain, scarring, and loss of quality of life, which are harder to quantify but still significant. You deserve a settlement based on your actual losses, not a standard formula.
3. The Adjuster Says the Offer Is “Best and Final”
When an adjuster insists that the settlement offer is “final,” it’s often a tactic to pressure you into accepting less than you might be entitled to. Many victims feel stressed or financially strained after an accident and may feel pressured to settle quickly. However, most offers are negotiable, and it’s possible to revisit the offer if you seek additional support.
4. The Carrier Focuses on Shared Fault or Minor Preexisting Conditions
Insurers may point to prior injuries or argue that you contributed to the accident. While these factors can affect liability, they are often overstated in an attempt to reduce the payout. A thorough review of the incident, including witness statements and accident reconstruction, can help clarify the true extent of fault and support a more accurate settlement.
5. The Company Keeps Delaying or Requests Repeated Records
Repeated requests for the same documents or unnecessary delays can be tactics to stall the process and wear you down. Insurers may hope you’ll accept a smaller offer out of frustration. It can be beneficial to work with someone who can help organize records efficiently and ensure that deadlines are met to keep the process moving smoothly..
6. The Offer Leaves Out Nonmedical Costs
A low offer often overlooks expenses such as vehicle repairs, transportation costs, childcare, and home modifications required after serious injuries. These nonmedical losses add up and should be claimed alongside medical bills and lost income. It’s essential to account for all out-of-pocket expenses to obtain a comprehensive understanding of the financial impact of the accident.
How to Protect Your Full Recovery
It’s essential to evaluate all aspects of your claim, including both medical and non-medical losses. Counsel negotiates firmly, pushes back on unfair fault claims, and brings expert testimony when necessary. With the proper support, you can better navigate negotiations and, if necessary, pursue further legal action to secure the compensation you deserve.
Protect Your Claim
If any of these signs sound familiar, consider your options for a fair settlement. Speaking with someone who understands the process can help you better understand your situation and ensure that your claim reflects the full compensation you’re entitled to. To get started, you might want to explore options for legal advice or seek help from a professional in New York who can offer guidance and support throughout the process.
Disclaimer: The content in this article is provided for general knowledge. This information does not constitute legal advice, and readers should consult with qualified legal professionals for specific cases or situations.
