Expect Insurance Companies to Shortchange Claims

When you are injured in a car accident, you probably want to settle as soon as possible. However, before you take the settlement offer from the insurance company, it’s important to understand what they are actually offering you. In fact, more often than not, the first offer from the insurance company will be an amount that is much less than what your case is worth.

Insurance Companies Are Businesses

First and foremost, insurance companies are businesses. This means that their main goal is simply to make money and maximize their own profits. Unfortunately, this means that some accident victims do not get the full compensation they need to heal from their injuries.

In order to do this, they will typically offer injury victims the least amount they believe they will accept. They may try to say that “it’s the best we can do” or convince the injured party not to hire a personal injury attorney. Many injury victims, already in a vulnerable state, may accept this lowball offer.

Maximizing Your Settlement Offer

You are the only one that can decide whether to take the insurance company’s settlement offer. However, an experienced personal injury attorney can help you think of the big picture before taking the initial offer. In order to calculate your full damages, here are some questions to consider:

  • How long will I be put out of work?

  • Will I be able to do the same job I did before? Will I ever be able to return to work?

  • Will I need to see a specialist, such as a physical therapist?

  • Does my injury require any surgeries?

  • Will my injury require the use of a wheelchair or crutches?

  • Will I have any long-term disabilities?

As you can see, there are so many different angles to approach when it comes to calculating your full damage amount. This isn’t about being opportunistic, either. If you take an offer that is less than what you deserve, you may be left with out-of-pocket medical expenses or lost wages when your settlement money runs out.

Contact Our Aggressive Personal Injury Attorneys

If you’re injured in an accident, turn to The Chopin Law Firm to hold responsible parties accountable. We won’t let the insurance company take advantage of your vulnerable state and will fight hard to ensure you receive maximum compensation for your injuries.


Let us be your voice in the courtroom. Contact The Chopin Law Firm at (504) 475-2429 to schedule your free case review!

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