Category: Personal Injury

7 Signs the Insurance Company is Lowballing You

Posted by: Kemmy Law Firm

Whether you’ve been hurt in a car accident, a truck wreck, or while working it’s likely that an insurance company will be responsible for your personal injury claim. However, before you blindly accept a settlement or sign anything, you should know the signs of lowball settlement offers.

Insurance companies are not on your side when you get hurt. They want to limit their company’s liability, protect their client, and close your claim fast.

Instead, discuss your case and any settlement offer with a personal injury attorney in your area. With over 50 years of combined experience and millions recovered for injury victims, the Kemmy Law Firm is here for you. We represent people in cases like yours across West Texas, the Permian Basin, and in the Midland-Odessa, Hobbs, New Mexico area.

We will answer your questions, deal with the insurance company, and fight for all the compensation you deserve.

Call (844) 334–4388 today and set up your free, no-risk consultation.

Signs An Offer is Too Low

1. The Settlement Offer Comes Too Fast

It takes time to assess an accident, research injuries, and figure out how much an individual deserves. That’s why a fast settlement offer is a good sign that the insurance company is lowballing you.

The longer they wait to contact you, the more time you have to research your options and find out the true value of your injury. They hope to get to you before you start researching your claim or speak to a lawyer so that they can convince you to waive your right to sue.

2. They Pressure You to Accept

It’s normal to want time to think about an offer or contact an attorney. If an insurance adjuster knows that their offer is way too low, they will use a number of techniques to pressure you into signing their forms and accepting them.

If you feel pressured or intimidated, you need to cease contact until you have an attorney representing your best interests?

3. They Ignore or Dismiss Evidence

Clients asking, “Is my settlement too low?” are often frustrated by how the insurance company has handled their accident. If you submitted medical bills, photographs, and other documentation to the insurance company, but they ignore them or say that they aren’t relevant, you are getting lowballed.

4. They Question Your Injuries

As noted above, insurance companies will do almost anything to reduce your settlement. They are not above using ethically questionable tactics to cause you to doubt yourself and take an unfair settlement.

After you tell the adjuster about your injuries or submit evidence, you may experience some pushback. Perhaps they hint that you had pre-existing injuries or that you are exaggerating your injuries.

Don’t let this tactic push you into accepting an unfair offer. They know that, when accused of being untruthful, most people will go into defense mode and take the offer to prove their trustworthiness.

5. They Won’t Explain The Math

After the insurance company presents you with their initial offer, you are likely to have questions. Maybe you want to know how they put a number on your pain and suffering or how much they are willing to offer for medical expenses.

If they stonewall you and refuse to explain how they calculated their offer, it’s likely because they chose a low figure and hoped you’d accept it without negotiating. A viable offer should be easy to explain and back up with numbers. If they are not willing to do so, consider that a red flag.

6. They Blame You

You are the victim of your injury, so why is the insurance company making you feel like you did something wrong? This is another trick used to lower your settlement offer and pressure you into accepting.

If you are in a car crash, they may imply that you did not check the road before entering the intersection, were distracted at the time, or otherwise were negligent. If a dog bites you, they might claim that you provoked the dog or intentionally agitated it

They train their adjusters to put people in a position where they feel compelled to defend themselves and forget about their fight for a higher settlement. An attorney looking out for your interests will see this coming and know how to demonstrate that their client was the one liable.

7. They Suddenly Stop Communicating

After you decline an insurance company’s initial offer, don’t be surprised if they start ignoring your calls, “losing” your faxes or emails, or otherwise ignoring you. Their goal is to make you feel like you lost out on your one and only chance at a settlement. They hope that you panic and call them to accept their first offer, at which point they may offer an even lower amount.

Let Us Handle the Insurance Company for You

Insurance companies have no problem blaming victims and using underhanded tactics to protect their bottom line. At Kemmy Law Firm, we know their tricks and what it takes to fight back against lowball settlement offers.
Let us handle the legal side of your injury while you focus on your physical and mental recovery.

Call (844) 334–4388 or contact us online to take the first step. We offer free consultations, do not charge up-front fees, and you owe nothing unless you recover compensation.

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Get a free consultation. We do not charge up-front fees, and you owe nothing unless you recover compensation.

When you work with us at Kemmy Law Firm, you are working with a family run firm with more than 50 years of combined experience. We are dedicated and successful trial attorneys practicing in West TX, Hobbs, NM, Midland-Odessa, and across the Permian Basin. Our team handles everything from catastrophic injury claims to complex business matters. We are here to fight for you. We dedicate our time and attention to your case and use every resource available to maximize your claim and obtain the best possible outcome.