Is Your Settlement Offer Fair?
Enter the offer you received from the insurance company and we'll show you how it compares to similar cases.
Settlement Offer Review
See how your offer compares to similar cases
Why Insurance Companies Lowball Settlement Offers
Insurance companies are businesses focused on minimizing payouts. Their first offer is almost always a starting point for negotiation, not a final number. Studies consistently show that initial offers are 30-50% below the actual value of most claims.
Red Flags in a Settlement Offer
- The offer comes very quickly (within days of the accident)
- They pressure you to accept before you finish treatment
- The offer doesn't cover all your medical bills
- There's no compensation for pain and suffering
- They ask you to sign a broad release of all claims
- The adjuster says "this is our best and final offer" early on
How to Negotiate a Higher Settlement
- Wait until you reach maximum medical improvement (MMI)
- Calculate your full damages including future medical costs
- Write a detailed demand letter with documentation
- Counter at 2-3× the initial offer
- Be patient — the process takes time
- Consider hiring an attorney for claims over $10,000
When to Accept vs. Reject an Offer
Accept if the offer covers all your medical bills, lost wages, and includes reasonable compensation for pain and suffering. Reject if it doesn't cover your economic damages or if you haven't finished treatment yet. When in doubt, get a free consultation with a personal injury attorney.