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Auto Insurance Settlements: How to Make a Counteroffer

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When another driver doesn’t consider the safety of others on the road, the results can be disastrous. Sadly, you might be one of the people suffering for it. A car accident can severely affect you financially, mentally, and emotionally. An insurance settlement can help you cover the expenses and work toward getting your life back on track.

Unfortunately, the insurance company might not have offered you enough to cover your expenses. When dealing with auto insurance settlements, knowing how to make a counteroffer is crucial. You don’t want to get stuck with a low settlement, so fight for the funds you deserve.

If you’re struggling with your counteroffer, seek help with your insurance settlement from a highly trained and experienced lawyer.

Your Auto Accident Claim’s Worth

Maybe you already received a low settlement offer, but you’re unsure whether you should accept it. If you’re uncertain, don’t say yes. You can take time to answer, but accepting a settlement offer now can bar you from seeking further compensation in the future.

Before you decide to take the offer, it’s important to know what your claim is really worth. The insurance company might neglect an expense that should have been included, or the full value of an expense might have been left off.

For example, let’s say you suffered a traumatic brain injury in the accident. You’re rushed to the hospital and emergency surgery is performed to release the pressure on your brain, which might be life-saving. Your insurance covers these initial expenses. What they might neglect to include, however, is the ongoing treatment for your brain injury, such as therapy and rehabilitation.

Writing a Demand Letter

Once you’ve determined that your auto insurance company isn’t offering the full amount you deserve, you’ll have a chance to respond. You and your lawyer can draw up a counteroffer that includes the full settlement amount. This is what’s called a demand letter.

Your demand letter should detail how you were harmed and what compensation you’re owed because of it. For example, if you injured your back in the crash, the insurer might have paid for your treatment, but not the lost wages you suffered while unable to work.

Your demand letter is a chance to detail the suffering you’ve experienced and put a price on the other injuries not included. A lawyer can review your demand letter to ensure you’re including all of the financial and intangible damages related to your accident.

Getting Help for Your Claim

When you’re injured, you need to ensure you’re getting the maximum funds you deserve from your auto insurance settlement. If you’re unsure how to make a counteroffer, you could be putting your compensation at risk. Secure the full worth of your claim by seeking out a lawyer from Craig Swapp & Associates.

When you’re struggling to write your demand letter, enlist the help of someone who knows what to include and how to present it. Insurance companies will try to minimize your settlement amount by any means necessary. Your demand letter is a crucial part of a successful auto claim.

Struggling with your demand letter? Seek out our experienced lawyers, who know what it takes to create a successful demand letter. Reach out for a free consult about your insurance settlement by calling 1-800-404-9000 or by filling out the online form below.

Written By: Ryan Swapp Legal Review By: Craig Swapp

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Before calling your firm I had 2 big worries. One was I didn’t want to do more paper work, and that fear was resolved when I had to do very little, but Craig Swapp and Assoc. did most of it, and when I did have to come in to sign papers they worked around the times I could do it. Worry 2 was I didn’t want people to think I was “sue happy” and that I was just out to get money. I just wanted my bills to be paid for that were from the accident, and that was resolved I think by Mr. Wes Mortenson and Theresa because they listened to what I had to say.

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My biggest fear was not having all the expenses caused by the accident paid for in full. I was assured they would be taken care of but I admit I was skeptical. When we wrapped everything up (which happened quicker than I was originally told) I had extra money in my pocket. I honestly thought there was a catch but my attorney explained everything to me in detail. If I am ever in that position again I’ll be giving Craig Swapp a call.

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West Jordan, UT

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