After an accident, it’s common to expect the insurance company to cover your medical bills, missed work, and any other losses you’ve had to deal with. You file your claim, you wait for a response—and then the offer shows up. But something feels off. The number doesn’t quite match what you’ve paid, and it certainly doesn’t reflect everything you’ve been through. If that sounds familiar, you’re not alone. Fortunately, your Dublin, OH personal injury lawyer can help.
At Brenner Law Offices, we’ve talked with plenty of people who were surprised by how low their first insurance offer was. With our experience representing individuals and major companies such as Walmart and Mutual of Omaha, we can provide a unique and helpful perspective when it comes to collecting compensation. Read on to learn more, and contact us today to get started.
Insurance Companies Aren’t On Your Side
It’s important to remember that insurance companies are businesses. Their goal is to settle claims while spending as little as possible. That means the first offer you receive is often not the best they’re willing to give. It’s just a starting point—one that may not come close to covering what you’ve lost.
Sometimes insurance adjusters will downplay your injuries. They may say certain treatments weren’t necessary or claim you didn’t report the issue soon enough. In other cases, such as car accidents or truck accidents, they’ll make a quick offer hoping you’ll accept before you realize how long recovery might take.
Medical Bills Are Only Part Of The Story
It’s easy to focus on the big expenses like hospital visits and surgeries, but many accident-related costs show up later. Physical therapy, follow-up appointments, medication, and even things like home modifications or mobility aids after brain or spinal cord injuries can add up fast.
There’s also the impact on your daily life. If you had to miss work, change jobs, or take time away from caring for your family, that has value too. Pain, stress, and lost time matter—even if they’re harder to measure.
You Don’t Have To Accept The First Offer
Just because an offer has been made doesn’t mean you’re stuck with it. If the number doesn’t reflect what you’ve lost, you have every right to push back. In many cases, people are able to negotiate for more—especially when they have support from someone who handles these issues regularly.
You Have Options If The Offer Stays Low
If negotiations don’t go anywhere or the insurance company continues to offer less than what your case is worth, it may be time to look at legal action. Filing a claim doesn’t mean you’re headed straight for court, but it does open the door to recovering the full amount you may be owed.
A personal injury lawyer can help review the offer, look over your records, and explain what your case might actually be worth.
Let’s Talk Before You Accept A Low Offer
At Brenner Law Offices, we’ve seen too many people accept less than they deserve simply because they didn’t know they had another option. If you’ve received an insurance offer and you’re not sure if it’s fair, we’re here to talk it through with you. Contact us today to get started.