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The Insurance Company Is Offering a Good Settlement. Shouldn’t I Just Accept It?


Let’s say you were injured in a serious Indiana car accident, and you’ve been getting the run-around from your insurance company. Finally, the insurance company reaches out with an offer that you at first think is fairly reasonable. You’re tempted to accept just to get on with your life and get some coverage for the medical bills that are starting to pile up.

However, it is almost always a mistake to accept a settlement without first talking with an experienced Indiana car accident attorney.

Attorneys Have a Better Understanding of What Is “Fair”

Indiana car accident attorneys deal with insurance companies for a living. They’ve likely taken on cases just like yours before, and all of that experience has given them a good idea of what a jury will probably value your claim at in court. That means they can understand the offer you’ve gotten from the insurance company in context of their experience with other, similar cases and help you see whether or not you’re really being treated fairly.

Attorneys can also better navigate communicating with the insurance company. They’ll know what to say and what not to say so the insurance company doesn’t use their words against you in court.

You May Have Future Expenses, and You Can’t Reopen a Case Once It’s Closed

It’s important to understand that once you accept a settlement offer from the insurance company, that’s it. You won’t be able to go back and ask for more if more expenses crop up. For example: let’s say you were injured in an Indiana car accident and suffered a broken arm. The insurance company offers to pay your medical bills as part of your settlement, and since your cast is supposed to come off in two weeks, you assume you’re finished with your medical care. You accept without speaking to an Indiana car accident attorney.

But two weeks later, when you go to the doctor to have your cast removed, she discovers that your arm hasn’t healed correctly. In fact, due to an unforeseen complication, you need immediate surgery.

The surgery is the result of the arm that you broke in the car accident. However, since you already accepted the insurance company’s settlement offer, they don’t owe you a single penny to cover your new medical expenses.

Help from an Indiana Car Accident Attorney

It may be tempting to accept the insurance company’s settlement offer, but it’s best to speak with an experienced Indiana car accident attorney first to determine whether or not you’re getting the settlement you deserve. Call Hensley Legal Group today or contact us online for a free consultation.