Receiving a settlement offer after an accident can feel like relief—until you realize the number doesn’t come close to covering your losses. Many injured people are surprised by how low the first offer is and wonder whether that’s truly all their case is worth.
In most situations, it isn’t.
At Reid Law Group, we often see insurance companies start with offers designed to test patience, financial pressure, and lack of legal guidance. Understanding how settlements are actually valued puts power back in your hands.
Why Insurance Companies Start With Low Offers
Insurance companies are businesses. Their goal is to resolve claims for as little as possible, as quickly as possible.
Early settlement offers often rely on:
- The injured person needing money quickly
- Uncertainty about the legal process
- The hope that the claim won’t be challenged
A low offer is rarely the final word—it’s a starting point.
What Really Goes Into the Value of a Personal Injury Case
Several factors influence how a claim is valued, including:
- Severity of the injuries
- Length and cost of medical treatment
- Long-term or permanent limitations
- Lost income and future earning capacity
- Strength of evidence
- Clarity of fault
- Credibility and consistency of medical records
A strong case tells a clear story supported by documentation, not just numbers on a bill.
Why Medical Treatment Matters So Much
Medical records are one of the most important pieces of a personal injury claim. Insurance companies look closely at:
- How quickly treatment began
- Whether care was consistent
- Whether treatment followed medical advice
- Whether future care is expected
Gaps in treatment or settling before recovery is complete can significantly reduce case value.
Pain and Suffering Isn’t Arbitrary
Pain and suffering damages account for how an injury affects daily life, not just finances. Insurers often try to minimize this category, but it plays a major role in settlement value.
Factors that increase pain and suffering damages include:
- Ongoing pain
- Emotional distress
- Sleep disruption
- Loss of enjoyment of life
- Physical limitations
These impacts deserve recognition—and proper valuation.
Why Claims Are Often Undervalued
Claims may be undervalued due to:
- Incomplete medical documentation
- Pressure to settle early
- Lack of understanding of policy limits
- Accepting adjuster explanations at face value
- No legal representation advocating on your behalf
Once a claim is settled, it usually cannot be reopened—even if future issues arise.
How Reid Law Group Push Back Against Low Offers
An Reid Law Group we don’t just react to an offer—we build leverage. This includes:
- Comprehensive demand packages
- Strong medical documentation
- Clear valuation strategy
- Willingness to litigate if necessary
Insurance companies negotiate differently when they know a claim is prepared and supported.
Knowing When to Accept and When to Negotiate
Not every offer is unreasonable—but timing matters. Accepting too early can leave injured individuals responsible for future medical costs that weren’t anticipated.
A fair settlement should reflect not only what has already happened, but what lies ahead.
Low settlement offers are common, but they’re not final. Understanding how insurance companies value claims helps protect you from accepting less than you deserve.
Before agreeing to any settlement, contact Reid Law Group. Our team is here to evaluate your case, push back against unfair offers, and help you pursue the compensation you’re entitled to.
