Dealing with an insurance company after an accident in New York can be frustrating—especially when they offer a settlement far lower than what you actually deserve. Insurance companies are in the business of making money, which often means trying to pay out as little as possible. But don’t worry—you have options. Knowing how to negotiate, understanding your rights, and having the right legal team, like Proner & Proner, by your side can make all the difference.
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Why Do Insurance Companies Offer Low Settlements?
Insurance companies use different strategies to minimize payouts. Here are some common reasons why they might lowball you:
- Maximizing profits: At the end of the day, insurance companies are businesses. The less they pay out, the more they keep.
- Downplaying your injuries: They might argue that your injuries aren’t as serious as you claim.
- Shifting blame: If they can pin some responsibility on you, they’ll have an excuse to lower your payout.
- Pressuring you to settle fast: They know that after a car or truck accident in New York, you might need money quickly, and they hope you’ll accept a low offer without question. Free advice: Don’t hurry, listen to your lawyer.
- Assuming you won’t fight back: If you don’t have legal representation, they might think you’ll just take whatever they offer. But they’re wrong, aren’t they?
Read in Spanish: ¿Qué hacer si el seguro quiere pagar menos por mi accidente?
How to Negotiate a Fair Settlement
If you get a low offer, don’t panic—and definitely don’t accept it right away. Here’s what you can do to push for a better deal:
- Review the Offer Carefully: Look at the details and compare it to your actual losses, including medical bills, lost wages, and emotional distress.
- Gather Strong Evidence: Keep records of your medical visits, accident reports, witness statements, and any other proof that supports your claim.
- Calculate the Real Value of Your Claim: Take into account both financial and non-financial damages to determine a fair amount.
- Send a Counteroffer: Respond with a well-documented letter explaining why their offer is too low and providing evidence to back up your request.
- Be Persistent: Negotiation is a process. Expect some back-and-forth before reaching a fair settlement.
- Be Careful About What You Say: Avoid giving recorded statements without consulting an attorney, as insurers may use your words against you.
- Hire a Lawyer: Having an experienced personal injury attorney handle negotiations for you can significantly increase your chances of getting fair compensation. At Proner & Proner, we have 60 years of experience securing the best settlements. Shall we talk?
With 30 years of experience winning top settlements, we know how to deal with insurance companies and the legal system. You’re in the best hands with us.
What If Negotiations Fail?
Sometimes, insurance companies refuse to budge. If that happens, you still have options:
- File a Complaint: If you believe the insurance company is acting unfairly, you can report them to your state’s insurance regulator.
- Try Mediation or Arbitration: These methods can sometimes lead to a fair settlement without going to court.
- Take Legal Action: If all else fails, filing a lawsuit may be necessary. Many insurance companies are more willing to negotiate once they see you’re serious about taking legal action.
At Proner & Proner, we typically take legal action as soon as we begin working on a case. This approach can accelerate the negotiation process and pressure the insurance company to settle more quickly. Contact us now and take the first step toward the compensation you deserve
Why You Need a Strong Legal Team
Going up against an insurance company on your own can be tough. They have teams of adjusters and lawyers working to minimize your payout. Having an experienced attorney on your side can:
- Protect your rights
- Gather and present solid evidence
- Negotiate aggressively on your behalf
- Take your case to trial if necessary
Choosing the right law firm can make all the difference in whether you receive fair compensation or get stuck with a lowball offer.
Get Advice From An Experienced Personal Injury Lawyer
All You Have To Do Is Call 212-986-3030 To Receive Your Free Case Evaluation.
How Proner & Proner Can Help You Win Your Case
For over 60 years, Proner & Proner has been advocating for accident victims in New York and Connecticut, helping them fight for the compensation they deserve. We understand the tactics insurance companies use—and we know how to counter them. Here’s how we can help:
- Free Case Review: We’ll evaluate your claim and explain your legal options.
- Tough Negotiation: Our team won’t back down until you get a fair settlement.
- Trial-Ready Representation: If necessary, we’ll take your case to court to fight for maximum compensation.
- No Win, No Fee: You don’t pay us unless we win your case.
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