How to Turn a Low Offer Into a High Offer
Receiving fair compensation after an auto collision is essential, yet insurance companies often present lowball offers, hoping that injured parties will accept them quickly without pushing back. These offers can be frustrating, especially when they don’t cover all of your accident-related expenses. Thankfully, an experienced Boca Raton personal injury lawyer can help turn a low offer into a high one.
Common Reasons Why Claims Are Undervalued
The primary goal of insurance companies is to protect their bottom line. Adjusters are trained to minimize payouts, and they may use several strategies to do so.
- Incomplete or inaccurate records. A common reason why claims are undervalued is a lack of thorough medical documentation. If the full extent of your injuries isn’t well-documented in your medical records, the insurance company might claim that your injuries aren’t as severe as you say. This can lead to an offer that doesn’t reflect the full cost of your treatment and recovery.
- Pre-existing health conditions. Insurance adjusters may use preexisting conditions as an excuse to undervalue a claim. They might argue that your injuries were not caused by the accident but were instead related to a previous injury or health issue. Without the proper legal representation, it can be difficult to prove that the accident worsened or exacerbated your condition.
- Downplaying suffering. Quantifying non-economic damages like pain and suffering can be challenging. An insurance adjuster may provide a fair offer compensation for your medical bills but fail to account for the emotional trauma, inconvenience, and ongoing pain you’ve experienced.
- Quick settlement. Fast, low settlement amounts could be put forward by adjusters in the hope that you’ll accept before you realize the true cost of your recovery. These offers might come before you’ve even fully understood the extent of your injuries, let alone completed treatment.
The good news is that you don’t have to accept a low offer from the insurance company. By working with a skilled Florida injury lawyer, you can significantly improve your chances of turning a low offer into a robust settlement.
Thorough Documentation and Precise Calculations
An attorney will ensure that every aspect of your injury is properly documented, including medical records, diagnostic tests, and ongoing treatments. This comprehensive documentation helps counter insurance adjusters’ arguments for low offers and supports a claim’s full value.
Also, your lawyer will go beyond just calculating your medical bills. They will assess the full scope of your damages, including future medical care, lost wages, diminished earning capacity, and non-economic damages like pain and suffering. By presenting a well-documented demand letter with these detailed figures, your Boca Raton personal injury lawyer can show the insurance company what your case is truly worth.
Have you received a disheartening insurance settlement offer? You don’t have to settle for less than you deserve. By working with the knowledgeable injury lawyers at Leifer & Ramirez, you can improve your chances of turning a lowball offer into a fair, high offer. After a Delray Beach, Deerfield Beach, or Pompano Beach accident, call 561-660-9421 for legal support.
