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5 Signs an Insurance Company Is Trying to Lowball You

 

When pursuing a personal injury lawsuit, you’ll generally have to negotiate with an insurance company. And unfortunately, their interests will frequently be at odds with yours. 

While you are hoping for fair compensation, their goal is often to pay you as little as possible.

That’s why many insurance companies respond to personal injury claims by offering a lowball settlement. They’re betting that you’ll accept without consulting an attorney, who will protect your rights and demand the benefits you deserve.

So to help you spot a bad deal, here are five signs that an insurance company is trying to lowball you.

1. They Offer a Settlement Too Soon

It takes time to assess the details of an injury, including what caused it and how much it will impact your life. This is especially true when calculating future damages, such as:

  • Long-term medical treatment
  • Permanently reduced income
  • Rehabilitation services
  • Therapy for psychological trauma
  • Chronic pain and suffering

When an insurance company makes a settlement offer too quickly, it often means they’re trying to resolve the situation before you have a chance to review your options with an attorney. They don’t want that attorney to tell you that their offer is unreasonable.

Plus, they know you’re probably feeling the pressure of mounting expenses, such as medical bills and lost wages. You may be tempted to take whatever you can get as soon as possible. But this is never wise. Instead, it would be best if you talked to a personal injury attorney to ensure you receive the maximum compensation possible.

2. They Minimize Your Injuries

One of the most common tactics an insurance company will use is minimizing your injuries. They may downplay:

An experienced personal injury attorney will help you determine exactly how the injury will affect your life, now and in the future. The insurance company may still push back, but your attorney can counter this by bringing in expert witnesses, such as doctors, therapists, and rehabilitation specialists, to support your claim.

3. They Blame You

Another common trick from insurance companies is to blame you for your injury in hopes they can reduce your compensation or dismiss your claim altogether.

For example, if you are injured in an auto accident, they insist that your reckless driving caused the collision. Or, if a dog bit you, they may state that you provoked the animal. The insurance company may acknowledge that their client was at fault but still imply that you were also partially at fault.

The best way to deal with this problem is to work with a personal injury attorney. Your attorney will investigate your injury and do their best to prove what really happened.

4. They Won’t Explain Their Math

Before accepting any settlement offer, you should always know exactly how the insurance company justifies the proposed compensation. You should have an opportunity to ask questions freely and get straight answers. Why did they choose this amount for pain and suffering? Why are they excluding specific medical bills from the list of damages?

If they refuse to answer your questions, consider that a significant red flag. They should be transparent, upfront, and honest. If they aren't, it's because they're probably trying to lowball you.

5. They Stop Communicating with You

When all else fails, some insurance companies will give you the silent treatment. They’ll stop returning your calls or responding to your emails, hoping you’ll give up and go away—or at least accept their unfair offer.

It isn’t an unreasonable hope, either. Plenty of injury victims back down once an insurance company goes silent. By hiring an attorney, however, you can show them that you mean business. A skilled personal injury attorney will turn the situation around and put pressure on the insurance company instead.

Let Us Handle That Stubborn Insurance Company for You

Too many insurance companies have no problem stonewalling, blaming injury victims, and offering lowball settlements. We call this the "delay, deny, defend" strategy, all with the goal of paying out as little as possible.

At SiebenCarey, we know all their tricks—and we have the expertise and resources needed to fight back.

For nearly 70 years, we’ve helped thousands of personal injury victims get the compensation they deserve through favorable settlements and trial verdicts. We’ll be happy to handle the stress and headaches of dealing with a stubborn insurance company so you can focus on healing.

Click here for a free, no-risk case evaluation.

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Jesse Bukal

In need of a personal injury attorney? Well you're if you're reading this you're in the right place. You'd be hard pressed to find more competent attorneys than the ones here at SiebenCarey.

They took my case to trial and an amazing job presenting the facts and fighting for my best interests! Three years ago I was unsure of what my future would bring; now that it's over I can rest a bit easier. With SiebenCarey as my counsel, I believe I had the absolute BEST representation a person could've asked for. I knew that I wanted the absolute best representation when searching for an attorney to handle my case and I most definitely received it.

If you need a personal injury attorney, look no further. Can't recommend highly enough.

Daunne Schaller

I was seriously injured in a car accident on my wedding night and went to SiebenCarey. Being involved in an accident is never fun. The folks at SiebenCarey got us thru the event helping us get on with our lives. They were up front and honest. We knew we could trust them. It’s clear to me why Art has been recognized as a Best Lawyer in America and Super Lawyer for 12 years running. Now anytime I know someone who was involved in an accident I refer them to SiebenCarey.

Jennifer G.

Danielle Bird was very professional and worked hard to make sure I was compensated fairly for my injury. My case was difficult to prove, but she continued to move forward and supported me through the process. I would highly recommend her for Workers' Compensation claims.

Jeanne Tondryk

Eric W. Beyer helped me through a very difficult time and his professionalism, advice and results from an injury were highly respected. Amidst the personal part of getting myself back to health, his guidance when life was blurry was so appreciated. He listened and then put forth my options honestly and directly which I totally appreciated!

 Was totally satisfied with his hard work and dedication to help me. I'd highly recommend him. Thank you Eric!

Deb Colombe

I was involved in a car accident that was complicated at best. God blessed with me Eric Beyer as my attorney. Although it was a long drawn out process between the two insurance companies, Eric was not only my attorney, he was my rock.

Eric is one of the most ethical people I have ever met in my lifetime. He was a constant source of not only information, but of comfort throughout the whole process. I never doubted for one moment that Eric did not have my best interest at heart. He took every word I said seriously and did what he had to do. If I ever have the misfortune of another injury like this, I would go to no one other than Eric Beyer. I will never in my lifetime be able to thank Eric enough or let him know how much I respect him and what a comfort he was and has continued to be for me. God Bless you Eric Beyer.

Chris and Amy Boys

We worked with Art and his team on a personal injury case. We could not have been more pleased with the result. Art and his team were both professional and personable, and were a pleasure to work with. I would highly recommend Art and his team if you find yourself in this type of situation.

Sean Beggs

I was referred to SiebenCarey by a friend after I was involved in a bicycle accident. Jim Carey represented me and throughout the process I was never anxious about the case because he and his team were in constant communication. I knew where we stood and the course of action we were taking which gave me peace of mind throughout my recovery. Everyone I encountered at SiebenCarey from the first phone call until the final resolution treated my case as if it were top priority and they did so respectfully, professionally, and achieved results beyond my expectations. It was a pleasurable experience during a difficult time.

Rachel Daniel

We had a great experience with Jeff Sieben, thank you!

Richard Johnson

Excellent. Eric Beyer is an excellent attorney. I would recommend him to anyone, and I have.

Christine Butina

Jim Carey and his staff were excellent at their jobs. They were very understanding and were always available if you had questions on something with my case. They treated you as if you were their only client that they had. I would definitely recommend sending anyone to SiebenCarey because they really do care about you.

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