My insurance Co. has offered me $10,738.00 to settle an auto accident after medical bills. My medical was $9461.00. Is that enough? I feel cheated.

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My insurance Co. has offered me $10,738.00 to settle an auto accident after medical bills. My medical was $9461.00. Is that enough? I feel cheated.

Asked on April 30, 2009 under Accident Law, Arizona

Answers:

M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney

Answered 12 years ago | Contributor

Without knowing all the facts it's hard to day definitively but my experience is to never deal with an insurance company on this type of claim without being represented by an attorney.  These companies just love to low ball an unrepresented claimant.

Also, you talk about your actual bills but what about your pain and suffering, possible loss of income, and future medical bills, etc.?

An insurance company's first offer is always based on one thing - profit.  If this is what they say the claim is worth chances are it's worth is considerably more.  That's where a good personal injury attorney comes in.  Do not sign off on any settlement until you see one.  If you need help in finding one go to www.AttorneyPages.com.  Many times the initial consultation on this type of matter is free.

If you feel cheated you probaly are right. Go with your gut.


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