Hundreds of thousands of people are injured in motor vehicle accidents across the country each year, many of them requiring emergency medical treatment while some need expensive long-term care.

While insurance companies advertise that they are “good neighbors” out to protect you when something bad happens, their priority is preserving their own profits by paying out as little as possible on your claim.

Fast doesn’t mean fair

Most insurance companies move quickly after a claim is filed. At first, you might consider this means they are diligently working to resolve the matter out of concern for your well-being, getting you a check to cover the vehicle’s damage and any medical expenses you’ve received so far.

However, a quick initial offer is usually an effort by the insurer to limit the total amount they will have to pay. Once you accept, they will require that you waive your rights for any future claims, thereby limiting the damages.

What the offer likely won’t cover

Once you accept a company’s offer, you are dismissing your rights to negotiate a better settlement for the damage to your vehicle as well as future medical expenses and related costs, things such as:

  • Lost wages
  • Permanent or long-lasting medical treatments
  • Pain and suffering

Rejecting a low-ball offer

Insurance companies are obligated to provide relief for losses covered under the policy, but they are not required to be fair. You are also under no obligation to accept a low-ball offer and an experienced Georgia personal injury attorney can help you make sense of the proposal.

While insurers do not have to be fair, they cannot act in bad faith by unreasonably denying claims or forcing you into litigation. Your attorney understands how to deal with them, negotiate a reasonable counter-offer, or sue them for the entire amount you are entitled to receive.