What to do when you get a low offer after a car accident

Auto accidents happen every day in Texas. Many of these result in substantial injuries. In 2017 alone, 254,853 people sustained injuries due to these collisions. 

All those people likely went to their insurance agencies to get coverage for medical expenses. With so many claims coming in, insurance companies try to pay out as little as possible. They will also use every trick in the book to get out of paying anything. It is vital for anyone involved in a car accident to know when they have a low offer and fight to get more. 

Realize the first offer will always be low

In the first communications with your insurance agent, you can expect a low number. It may seem high at the moment because you do not know the full extent of the property damage or the total cost of your injuries. However, you need to take that first offer with a grain of salt. Take the time to review the offer. You should also have your attorney look it over to see if you should renegotiate. 

Provide a written response

You should then send your insurance company a written response stating whether you accept or reject the offer. In this letter, include any documents that help bolster your case, such as medical bills showing how severe your injuries actually are. You can also include additional details related to pain and suffering, lost work and loss of consortium with your spouse. All of this can help you receive more damages. 

Make a counteroffer

In addition to these documents, you should provide a counteroffer of how much you think your claim is worth. Your insurance agency can then choose to accept or deny your counteroffer. From there, you can choose to take your insurance company to court to try to get more money. Above all else, you want to follow the advice of your attorney. 

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