Is the Insurance Company’s First Offer Fair?
Shane Smith from Shane Smith Law addresses a question almost every client asks.
The Reality of First Offers
In most cases:
The first offer from the insurance company is not fair.
It is typically:
- A starting point
- Designed to close the case quickly
- Lower than what the case is actually worth
Why It’s Hard to Tell
There is no simple formula.
To determine if an offer is fair, you have to look at:
- How the accident happened
- Whether the other driver was clearly at fault
- Whether alcohol or reckless behavior was involved
- The type and extent of your injuries
- The medical treatment you received
- The length of your recovery
- Your total medical bills
- Any lasting or permanent issues
Each of these factors affects the value of your case.
What We Do
When you call, we walk through:
- The facts of the accident
- Your medical care and timeline
- Your current condition
- Any long-term impact
From there, we can give a clear opinion on whether the offer is reasonable.
The Key Point
If you receive a settlement offer in the mail:
There is a strong chance it is lower than what you are entitled to.
Insurance companies are businesses. Their goal is to pay as little as possible.
Final Thought
Before accepting any offer:
Make sure you understand the full value of your case.
Once you accept, the case is over and cannot be reopened.
You can request our free Victim’s Survival Guide to Car Accidents here:
👉 https://www.shanesmithlaw.com/car-accident-victim-survival-guide/
Or visit:
👉 https://www.shanesmithlaw.com/
In pain? Call Shane.
📞 980-999-9999
