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Bruce Robinson & Associates Legal Staff


How to Avoid Being Lowballed by Car Insurance Companies

car insurance claimInsurance companies will attempt to lowball you 100 percent of the time. They will argue with you and tell you that you are getting the best compensation for your accident; this is almost never the case. Insurance companies are businesses that have no interest in parting with their money, even if it is for a good reason. If you or your vehicle has suffered injury/damage and you believe that you are being lowballed by the insurance company, there are things that you can (and should) do about it. You deserve fair and appropriate compensation for what you have been through, but should not expect an insurance company to do the right or honorable thing.

Tips for Avoiding Being Lowballed

  • Do not let an insurance company delay the process. They will try because they believe that if they delay your claim, you will either give up entirely on the claim or that you will miss the deadline to file a lawsuit against the insurance company. Alternatively, they believe they can just tire you out to the point where you do not wish to fight anymore and will just take whatever money is being offered. This actually happens a lot of the time, and they know it works, so their goal becomes delay and delay the claim until the injured party blinks and takes the paltry sum being offered. Insurance companies usually start to employ this tactic after you have denied their original lowball offer, which brings us to our next point.
  • Do not accept the first offer. The first offer will be a lowball offer and will come quickly to avoid giving you time to figure out if there are any more medical expenses or lost wages as a result of the accident. Look carefully at the offer and make sure that it is fair, which in almost every case it will not be. Insurance companies desire to “negotiate” in every case, so their first offer is always a lowball offer. The problem is, sometimes the offer is so low that it isn’t even in the right ball park and if that is the case, they are telling you that they will not be fair in your case under any circumstance without going to court first. I can’t tell you how many times we have had adjusters tell us how much they think a claim is worth only for us to prove them substantially wrong when we get exponentially more money in court. Be aware of their tactics and do not feel forced into any settlement. Judges and juries will generally be fair in their appraisal of your injury and damages where insurance adjusters are paid not to be.
  • Seek an accident attorney to help you fight the insurance company. Sometimes the only way to get an insurance company to play fair is to put up a good fight. Some attorneys will insist on settling early on to avoid going to court and dealing with the whole process. You want to find an attorney who will work with you and isn’t afraid of going to court to make sure that you get fair compensation. A good, aggressive lawyer will fight for you and force the insurance company to give you what you deserve.

Finding a Maryland Accident Attorney

A good accident attorney can make all the difference when it comes to getting a fair insurance settlement. Make sure that you seek aggressive counsel and that you and your accident attorney are on the same page. At Robinson & Associates we prefer the fight because we know insurance companies are only out for themselves.  If you do not want to settle your case, you do not have to.  Advise your lawyer what you want and if they do not agree, then feel free to seek a second opinion from a different lawyer. Our consultation is free and if we can help you, it will be handled on a contingency fee basis, which means no out of pocket expense or cost to you.  For a free consultation with our car accident lawyers, contact Robinson & Associates at 410.415.3841 or click today for your free consultation. We look forward to helping you.

Source: Abraham Watkins


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