Car accidents can be overwhelming, and dealing with an insurance company that offers an unfair settlement only adds to the stress. If you’ve been injured in a car crash in Calgary or Edmonton, understanding how to respond to a lowball settlement offer is crucial for protecting your rights and ensuring fair compensation.
Why Do Insurance Companies Make Low Offers?
Insurance companies aim to minimize payouts. After an accident, they may exploit your lack of experience with claims to offer a quick, low settlement. They may argue that:
- Your injuries are minor.
- Your medical costs are inflated.
- Liability for the accident is unclear.
These tactics can leave you with a settlement far below what you deserve.
Signs of an Unfair Settlement Offer
An unfair settlement offer often:
- Fails to cover all medical expenses.
- Ignores future treatment costs.
- Doesn’t account for lost wages or earning potential.
- Minimizes compensation for pain and suffering.
How to Respond to a Low Settlement
When faced with an unfair offer:
- Avoid Accepting Too Quickly: Accepting a settlement closes your case, and you cannot pursue additional compensation later.
- Review the Offer with a Lawyer: A personal injury lawyer can evaluate the offer to ensure it reflects the full extent of your damages.
- Gather Evidence: Provide medical records, repair bills, and witness statements to counter the low offer.
The Role of a Personal Injury Lawyer
Having a personal injury lawyer in Calgary or Edmonton can make a significant difference. Your lawyer will:
- Negotiate with the insurance company.
- Consult medical and economic experts to estimate future expenses.
- Advocate for your rights to maximize your compensation.
Know Your Worth
In Alberta, compensation should reflect both economic and non-economic damages. This includes medical bills, lost wages, and pain and suffering. Insurance companies may attempt to undervalue non-economic damages, but a skilled lawyer will ensure these are included in your claim.
Conclusion
Unfair settlement offers are common, but you don’t have to accept less than you deserve. If you’ve been offered a low settlement after a car crash, consult a personal injury lawyer immediately. Their expertise can help you navigate the process and secure the compensation you need for a full recovery.
Protect your rights—contact a personal injury lawyer in Calgary or Edmonton today to take the first step toward a fair settlement.