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What Happens If You Reject a Settlement Offer?

It can be tempting to accept the first settlement offer you receive when pursuing a personal injury claim. However, that first offer may not be a fair estimate for the compensation you deserve.

So what should you do if the insurance company is trying to lowball you? What happens if you reject a settlement offer?

Let’s talk about it.
 

What Is a Settlement?

First things first: what exactly is a settlement?

If you are injured due to another party’s negligence, Minnesota law gives you the right to pursue compensation through a personal injury lawsuit. This compensation covers damages the injury caused, such as:

  • Medical expenses
  • Lost income
  • Pain and suffering
  • Property damage

If your claim is successful, the negligent party’s insurance will fund the payout. For example, if your injury resulted from a car accident, the at-fault driver’s auto insurance provider will be responsible for compensating you.

Typically, the insurance company in question will offer to pay you a certain sum of money to “settle” the matter right away. This lets them resolve the claim quickly without worrying about a lengthy legal process.
 

What Happens If You Accept the Settlement Offer?

If you accept a settlement offer, the insurance company will pay you the promised amount of money. In return, you will agree not to pursue any further legal action against the negligent party (their client). This agreement is permanent. You cannot change your mind later, even if you decide the amount they offered you wasn’t enough to cover your future medical bills. 
 

What Happens If You Reject the Settlement Offer?

If you reject a settlement offer, a few things can happen depending on the details of your case. You may negotiate with the insurance company for a higher settlement amount. However, they may refuse to negotiate a better deal, insisting that their offer was “take it or leave it.”

If they don’t send a better offer—or the follow-up offers are equally unfair—you may have to take your claim to trial. Then, a judge or jury will decide how much compensation to award you. If things get that far, you won’t be able to change your mind and try for a different amount. The court’s decision will be final.

As you can imagine, the choice to accept or reject an insurance company’s settlement offer can have far-reaching consequences. You should never take this decision lightly.
 

When Should You Reject a Settlement Offer?

The primary reason why you would reject a settlement offer is that you feel the offer is too low. Of course, determining whether an offer is too low is complicated. It changes from case to case.

It would be best if you never accepted or rejected an insurance company’s settlement offer without consulting an experienced personal injury attorney. Your attorney will:

  • Evaluate your claim
  • Investigate the details of your injury
  • Calculate a fair settlement amount
  • Help you build a solid case to support your claim
  • Negotiate with the insurance company on your behalf

They will also represent you in court if your case goes to trial.

No matter the details of your injury, it’s never wise to make any major decisions until you’ve spoken with an attorney. Without proper legal representation, you could receive less compensation than you’re truly owed.
 

Get Help from Minnesota’s Largest Personal Injury Law Firm

We wish we could tell you that every insurance company has your best interests at heart. However, most insurance providers are only interested in protecting their bottom line. That means offering you as little as possible—and usually much less than you’re entitled to.

The best way to avoid accepting a lowball settlement offer is to get some expert guidance in your corner.

At SiebenCarey, we’ve helped thousands of personal injury victims get the compensation they need. Just contact us, and our team of veteran attorneys will put their decades of experience to work, helping you win every dollar that’s yours.

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

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Renee Goneau

SiebenCarey is a great personal injury law firm that really cares about their clients.  Highly recommend!

Jazz Smith

SiebenCarey is a professional and dedicated law organization that help accident victim.

Jenna L. at Insider Pages

I have had nothing but great service with these guys. They are very knowledgable on a wide variety of subjects and topic. They will help you with any case you need!

Morgan Petoletti

My husband had an amazing experience with this firm. They listened and took the time to understand our case.

St. Paul Local 12

Thanks for everything, your experience paid off BIG!!!

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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.

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Daniel Ball

Really good professionals, they solved my issues in no time using the most impressive and advanced approach. Really good, highly recommended.

Carly R.

My boyfriend was hit by a car and while all the attorneys he talked to said he didn't have much chance of a case, SiebenCarey took him on and gave him a fighting chance. He's still recovering, but SiebenCarey is making it a lot easier.

Eric Petoletti

Even though I was states away and could only talk on the phone, they listened and did everything that they could to win my case. I felt like I was a part of the family.

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When I needed help, after an auto accident,  I was unsure who to turn to. A family friend has suggested SiebenCarey to because of their prior experience.

I will tell you this, there is no one else I would recommend after the excellent service I was given.

They stayed on top of everything, they kept me in the loop, most of all they gave me piece of mind. I felt confident that there was nothing to worry about with such fantastic people on my side.

A big thank you to the folks at SiebenCarey!

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