Low Settlement Offers from Insurance Adjusters

If you have been seriously injured in a Fort Worth area car wreck or other accident, you deserve fair compensation to cover the cost of your medical expenses, lost income, and the very real pain and suffering you have experienced. In most cases, you will be unable to recover the maximum damages you deserve without the aid of a board certified personal injury lawyer.


Attempting to resolve your claim without an attorney is often a big mistake. You are dealing with an experienced insurance adjuster who routinely settles injury claims for far less than they are actually worth.


Three Arguments Used by Insurance Adjusters to Lower Your Claim’s Value

In order to reduce your personal injury claim settlement, auto insurance adjusters will often resort to using unethical negotiation tactics. Some of the most common arguments I’ve heard as a Fort Worth car accident injury lawyer include the following:


You were injured prior to your car crash. The insurance agent will argue that your accident merely aggravated a pre-existing condition, so they should not be liable. In actual fact, a good lawyer can get you significant compensation for such injuries. If the adjuster keeps insisting that these are resurfacing injuries, ask him or her to provide medical proof that supports this. Otherwise, hire an attorney to make sure your legal rights are upheld.


You didn’t have to pay any “out of pocket” expenses. Since your health care provider paid for your injuries, the insurance adjuster will tell you that you don’t really deserve to be compensated for anything. If the adjuster even brings up the issue of other sources of medical payments and income, simply remind him or her of the collateral source rule. This is the common law that states the insurance adjuster cannot use your alternate sources of medical payments and expenses as a reason to lower your car accident settlement.


You waited too long to file your claim. If there was a delay between when your car accident occurred and when you actually filed your personal injury claim settlement, the auto insurance adjuster will argue that you waited too long to file a claim. This strategy is used to rush you into settling your claim quickly to receive a low settlement. In actual fact, the only time constraint you should worry about is the Statute of Limitations. This means that you either need to resolve your claim or get a lawyer to file a lawsuit on your behalf within two years of the date of your accident.


Insurance Companies Have a Legal Team

When insurance companies are absolutely determined to deny a settlement or want offer a lower offer than the accident victim deserves, it is not uncommon to see the insurance companies hire a legal team of their own. They do this for several reason. The first reason is to confuse the victim of the car accident with legal terminology that appears to be too complex or not clear. The goal of the insurance company in this case is to create an argument that while may appear to make sense actually leaves the accident victim with uncertainties. Another reason that insurance companies hire a legal team of their own is to find loopholes and research old medical records, as previously mentioned, with the aim of reducing the settlement amount. This is why an accident victim's medical records of over ten years ago can come into question by the insurance company.

The insurance company is not looking out to benefit the injured victim: they are looking out to benefit themselves in reducing the amount of money that they would otherwise give in compensation. As the next section will note, having an attorney and a legal team on your side may prove to be very beneficial in the goal of obtaining compensation for your injuries. You do not have to be stuck with mounting medical bills, lost wages as a result of your accident, and any other expenses related to your injuries from a car accident!

Why You Should Hire a Fort Worth Personal Injury Lawyer

The insurance adjuster’s job is to give you less money than you deserve. By planting doubts in your head, they can make you believe your claim is worth far less than it should be. The only way to make sure that you get the full and fair compensation you are entitled to is by hiring a board certified Fort Worth personal injury lawyer who negotiates just settlements for Fort Worth car wreck victims for a living – a who has done so for more than 20 years.

If you or a loved one was injured in a car accident, you may be entitled to receive compensation for medical bills, lost wages, pain and suffering, and much more. Contact our law firm today to schedule a free, no obligation consultation where a member of our legal team will be more than happy to discuss your potential case. Also, give us a call if you have any questions or doubts in regards to your car accident. Call us at 817-717-4731, and remember, you may be entitled to receive more compensation than what the insurance company may be offering!



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Filing a Car Wreck Accident Injury Claim in Dallas Fort Worth Texas

Suing the Driver Who Caused my Car Accident

Fort Worth Car Wreck Lawyer: Making a Claim Against Multiple Policies

Why do I have to pay back my health insurance company?

Mark A. Anderson
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Board Certified Personal Injury Lawyer in Fort Worth, Texas