Get The Compensation You Deserve On Your Texas Personal Injury Claim
Call The Adley Law Firm in Houston To Discuss Your Accident & Injury Claim With A Free Consultation.
If you’ve been in a car accident, dealing with the aftermath can be stressful enough without worrying whether the insurance company is playing fair. One common tactic insurers use is offering a lowball settlement—an offer far below what your case is truly worth. Understanding how to spot one and what to do next can make a huge difference in your recovery, both physically and financially.
At Adley Law Firm, we’re here to help you fight back. Let’s break it down.
What Is a Lowball Settlement Offer?
A lowball settlement offer is when the insurance company offers you far less compensation than your claim deserves. Their goal? To get you to settle quickly and cheaply, often before you fully understand the extent of your injuries, damages, or rights.
Insurers count on your vulnerability after an accident. They know you have medical bills, lost wages, and car repairs piling up. Offering fast cash can be tempting—but it’s often a fraction of what you need and deserve.
How to Know If You’re Getting a Lowball Offer (And What’s Fair)
Here are some red flags that you’re looking at a lowball offer:
- It arrives quickly. Insurers often rush to settle before you know the full cost of your injuries.
- They pressure you to sign. High-pressure tactics are common. They might say “This is the best we can do” or “You have to act fast.”
- It doesn’t cover your medical expenses. If your offer doesn’t even account for current or future medical costs, it’s likely far too low.
- They ignore pain and suffering. Compensation should cover more than bills. You’re entitled to pain and suffering damages, too.
- They dispute liability unfairly. If they’re denying clear facts or saying you’re partly to blame without evidence, it’s often a tactic to reduce their payout.
What’s a Fair Offer?
A fair settlement covers all your damages:
- Past, present, and future medical bills
- Lost wages and diminished earning capacity
- Property damage
- Pain and suffering
- Emotional distress
- Loss of enjoyment of life
An experienced attorney can help you calculate a realistic and fair value for your case.
What to Do About a Lowball Settlement Offer
- Stay calm. Don’t accept or reject the offer right away.
- Document everything. Gather medical records, repair estimates, pay stubs, and any evidence that supports your claim.
- Request justification. Ask the insurer to explain how they calculated their offer in writing.
- Consult a personal injury lawyer. Get an expert to evaluate your claim and fight for a higher settlement.
What Not to Do
🚫 Don’t accept the first offer without thinking it through.
🚫 Don’t sign anything without legal advice. Signing can waive your right to future compensation.
🚫 Don’t provide a recorded statement to the insurer. They can twist your words against you.
🚫 Don’t assume the insurance company is on your side. They’re protecting their bottom line—not your best interests.
How to Improve the Offer
If you want a better settlement, here’s what works:
- Build a strong case. Provide solid evidence—medical records, accident reports, witness statements, and expert opinions.
- Be patient. Rushing often leads to lower settlements.
- Work with a skilled personal injury attorney. They can negotiate aggressively and take your case to court if needed.
Insurance companies take claims more seriously when you have legal representation.
Why Hiring a Lawyer Can Help
A personal injury lawyer levels the playing field. Here’s how:
- They accurately calculate your damages, including future expenses.
- They negotiate aggressively with the insurance company.
- They handle paperwork and deadlines, so you can focus on healing.
- If negotiations fail, they’re ready to file a lawsuit and go to trial.
People with attorneys typically receive higher settlements than those who go it alone.
Why Hire Adley Law Firm?
At Adley Law Firm, we’ve helped countless car accident victims throughout Texas recover maximum compensation. We don’t let insurance companies get away with lowball tactics. Here’s why people choose us:
- Proven results. We fight to win and have a track record of success.
- Personal attention. You’re not just another case number to us.
- No fee unless we win. You don’t pay us a dime unless we recover compensation for you.
- Aggressive representation. We know the tricks insurance companies use, and we don’t back down.
