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What if an insurance adjuster offers me a low settlement offer for my personal injury case?

If you have been injured in a personal injury and you have filed your claim with the insurance adjuster, it is not unusual for the insurance adjuster to offer a low settlement. The insurance adjuster works for an insurance company who may expect him, not only to settle claims within a specified dollar range, but to settle them as quickly and as least expensively as possible.

After you have received the settlement offer you can either negotiate the settlement on your own or you can contact a personal injury lawyer.

Can I negotiate my own personal injury settlement offer?


Negotiating your own settlement is possible and may be acceptable for small claims where you have not suffered permanent injury or loss, but for more serious injuries, it is generally best to consult with a personal injury lawyer.

If you have decided to settle your own personal injury claim it is important to do some research and find out how much your case is worth. Just because the claims adjuster has made an offer does not mean it is fair or that the amount will cover all of your losses.

First, gather information so you can calculate the full cost of your loss. Documentation which you will need to review includes medical bills, receipts, estimates to repair damaged property and proof of lost wages. Draft a demand letter which lists your losses and your expected date for a response.

Keep in mind, offers or counter offers should be reasonable and cover the costs and losses you have suffered. Counter offering with an outrageous offer, even if the adjuster’s offer was low, can slow down the negotiation process.

What if you cannot get the adjuster to make a reasonable offer? It may be time to talk to a supervisor or manager. If the claim is at an impasse some types of disputes (homeowners or car claims) may have an appraisal clause which allows you and the insurance company to hire an independent appraiser to evaluate the claim.

What if you cannot reach a settlement offer? Talk to a lawyer; it may be time to file a lawsuit. Keep in mind, in certain states, if you have been injured in a car accident you may not have the ability to file a personal injury claim unless the severity of your injury or the cost of your injury reaches specific thresholds.

Should I Accept the Insurance Adjuster’s Offer?


If you have calculated the losses for your personal injury and the adjuster’s offer is reasonable, accepting the settlement offer may be appropriate for your case. Many claimants simply want to get the money as quickly as possible and move on with their lives.

As mentioned above, if you have permanent injuries or you will be unable to work for an extended period of time, it is critical to find a personal injury attorney who can review your case. Personal injury lawyers have evaluated many personal injury claims and know the questions to ask to find out the true cost of your injuries.

How do I find the right personal injury lawyer? Fill out the FREE evaluation form and let our personal injury lawyers evaluate your injury claim.