The insurance company's offer seems low. Now what?

A fast offer can feel like relief. But the first number an insurance company puts on the table is usually where negotiations start. Before you accept anything, here's what to know.

Don't sign a release until you understand it

Accepting a settlement almost always means signing a release, which ends your claim for good. If your injuries turn out to be worse than you thought, you generally can't go back for more. Many injuries, like back and neck injuries, take weeks to show how serious they are.

California's rules for insurance companies

California's Fair Claims Settlement Practices Regulations set rules insurers must follow when handling claims. Among other things, an insurer generally has to acknowledge a claim within 15 days and accept or deny it within 40 days of receiving proof of the claim, and it can't misrepresent the facts or the policy to you. If you believe an insurer is treating you unfairly, you can file a complaint with the California Department of Insurance.

What helps you

  • Keep records of everything: medical visits, bills, prescriptions, missed work, rides, and receipts.
  • Follow your doctor's treatment plan. Gaps in treatment are one of the most common reasons insurers lower their offers.
  • Put things in writing. Ask the adjuster to explain the offer in writing, and keep notes of every call: date, name, and what was said.
  • Don't feel rushed. A deadline set by the adjuster isn't the same as a legal deadline. Know your actual filing deadline.

When to talk to an attorney

If you were hurt, a free consultation before you accept an offer is usually worth it. An attorney can tell you whether the offer accounts for your medical costs, lost income, and future care, and can deal with the adjuster for you. Injury attorneys typically work on contingency. Case costs are separate, and your written fee agreement explains how they're handled.

General information, not legal advice. We don't evaluate claims or predict outcomes. Talk to a licensed California attorney about your situation.
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