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Boca Raton Personal Injury Lawyer > Blog > Personal Injury > Why is the Insurance Company Offering So Little for My Injury?

Why is the Insurance Company Offering So Little for My Injury?


Many people understandably choose to pursue filing a personal injury claim after they become injured because of the negligence of another person or entity. In addition, the reality here in the United States is that the bulk of personal injury cases settle long before they ever go to trial. Therefore, accident victims often find themselves in the midst of negotiations with an insurance company which is why so many people obtain the help of an experienced personal injury attorney as soon as possible.

In theory, insurance is there to cover the monetary costs associated with a car accident. For that reason, accident victims are often confused and appalled by just how small the offer for compensation for the accident injuries is that comes from the insurance company. We are asked this question over and over: 

Why is the insurance company offering so little for my injury?

Insurance Companies Exist to Make Money

The reality is that insurance companies are businesses that exist to turn a profit. The more an insurance company pays out to you, the less it keeps. For this reason, these companies deliberately look for any reason they can find to deny claims whenever possible, or if they are unable to do that, to lower claim payouts as much as possible. An insurance company’s first offer is typically insufficient to cover your losses related to the accident and is almost guaranteed to be less than what you truly deserve.

Approach Your Conversations With Insurers With Caution

While you should expect to be contacted by the adverse party’s insurance company shortly after the accident, you should also understand that it is never a good idea to give a recorded statement to an insurance adjuster before speaking with a lawyer. In fact, it is probably best to keep interaction to a minimum altogether other than confirming basic information such as the date of the accident, the make and model of your vehicle, and your name and contact information. Insurance adjusters who reach out will try asking you questions in a number of ways while looking for reasons to deny or lessen the value of a claim. Even if it is less controversial whether the other party is at fault (like in rear end accidents or when the other driver received DUI charges), the adjuster will listen out for context clues in your conversation that indicate you will accept a low settlement out of financial need.

And while you may even be able to obtain an insurance payout from your own insurance company here in Florida, you could still unintentionally lock yourself into a low settlement offer by providing too much information too soon before you have obtained the appropriate post-accident medical attention that can reveal the full extent of your injuries.

Reach Out For Help Today.

While it is possible to settle a claim without the help of a qualified Florida personal injury law firm, it is almost certain that the insurance company will offer less than if you have the help and support of an experienced lawyer. You should therefore consult with an experienced personal injury attorney as soon as possible if you believe you have suffered from a personal injury and want to pursue a claim to hold the responsible parties accountable. At Leifer & Ramirez with offices in Boca Raton, Fort Lauderdale and West Palm Beach, we are skilled and experienced personal injury lawyers who represent clients in personal injury claims on a daily basis. Contact us today for help.

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