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Should I Accept a Settlement Offer from the Insurance Company?


After an auto accident, you may be concentrating on healing from your injury. The insurance company may be resolving your case. The negligent driver’s insurance representative will contact you to make a statement and discuss the details of the accident. It is helpful to speak with a Houston personal injury attorney before you talk to the insurance company.

At some point, if the fault is clear, the insurance company will likely contact you to offer you a settlement check. Then the question becomes, is the settlement offer fair?

What to do About a Settlement Offer

When recovering from a vehicle crash, you probably feel a financial pinch. You are racking up medical bills that may also be stressing you out. The insurance company knows you need funds; therefore, they are ready to make a fast and often low settlement offer.

You need not accept a settlement offer from the insurance company. It would be best if you did not take any offer until you consult with an attorney.

The Adjuster Has Been Trained to Pay as Little as Possible

The insurance company wants to give the lowest money they can because they want to save money. Therefore, they often offer a settlement that is just not fair. Here is how to deal with a low settlement offer.

The settlement may not even cover your expenses or your damages. The insurance company may send you a check. Do not cash the check because by doing so, you will likely eliminate your ability to seek any further damages. Inform the insurance company you do not accept the offer. However, remember that the Texas Statute of Limitations limits the time to file a civil case. You must file a claim within two years of the injury.

Have questions about an accident in Houston, or Harris County, Texas?

Call the auto accident attorneys at Baumgartner Law Firm for a free consultation.

 Call (281) 587-1111!