What should I do if I receive a lowball settlement offer from the insurance company?

What should you do if the insurance company gives you a lowball settlement offer after a car accident? While a quick payout may sound appealing—especially when you’re without a vehicle, missing work, or facing medical bills—accepting too early can cost you far more in the long run. Attorney Bryan Garrett explains why in this video.

Insurance companies often use this tactic to save money. They may offer $1,000 or $2,000 right away, but what they don’t tell you is that accepting means your case is closed permanently. If weeks or months later you need physical therapy, surgery, or extended treatment, you won’t be able to claim additional compensation. What seemed like a quick fix can turn into a financial burden that follows you for years.

The best way to push back against unfair settlement tactics is to have an experienced attorney on your side. A lawyer knows how to document your medical treatment, calculate lost wages, and present evidence of pain and suffering to prove the true value of your case. With the right representation, you don’t have to settle for less than what you deserve.

Don’t Settle for Less, Protect Your Case Today

If you’ve received a lowball settlement offer, don’t rush into signing anything. Protect your health, your finances, and your future by getting a professional case review before accepting. An experienced attorney can fight to maximize your recovery and ensure the insurance company doesn’t take advantage of you.

FAQs

Why do insurance companies make lowball settlement offers?

They do this to close claims quickly and cheaply before injury victims know the full extent of their damages. It helps the insurer save money at your expense.

What happens if I accept a lowball settlement?

Once you accept, the case is closed and you cannot ask for additional compensation—even if new injuries or treatment needs appear later.

How can I know if a settlement offer is fair?

A fair settlement should account for current and future medical expenses, lost wages, and pain and suffering. Consulting with an attorney is the best way to evaluate this.

Can I negotiate with the insurance company myself?

You can, but insurers are skilled at minimizing payouts. Having an attorney greatly improves your chances of receiving full and fair compensation.