Don't settle for less: Negotiate for a good settlement

The impact the car crash had on you is devastating. You are living in pain, and you're struggling to get back to normal. You haven't worked in weeks, and you don't know how you're going to pay your bills.

You began a claim against the negligent driver, but the settlement offered to you is extremely low. What can you do? Is there a way to obtain a better offer?

Know your rights as a victim

Before you accept any offer, remember that you have rights as a victim of a car crash. You have the right to seek a fair amount of compensation, and it's your right to refuse any compensation that isn't enough. Many insurance companies attempt to settle cases by offering settlements as quickly as possible, but those settlements may not take into consideration your ongoing medical needs or continued lost wages. In addition, the settlement is made in the hope that you'll accept it and save the insurance company money.

Don't settle for less than you deserve

Don't settle for less than you deserve simply because you need money now. You need to analyze the settlement offer. If you accept it, will it leave you in debt or struggling to pay your bills? Will it mean you're covering the expenses of your injuries? If you feel the settlement is too low, negotiate.

Making a counter offer

Making a counter offer is a good idea if you know what amount of money you need. For example, if you have documentation that shows you need at least $25,000 to break even, it's well within your rights to ask for $25,000 or more for your expenses, pain and suffering. It's usually good to ask for more, so there is room to negotiate.

At the end of the day, the insurance company has to try to save itself money. As a victim, you need to stand up for yourself and negotiate for a fair settlement.

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