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Should I Accept the Insurance Company’s Settlement Offer After My Car Accident?

November 23, 2015

Each year, millions of car accidents occur across the country. Many of these accidents will involve just property damage, but others may inflict catastrophic injuries or even death. If you have ever been involved in a car accident, you know that the first few moments and days after the accident can be intense. You will need to speak to police officers, providing them with details concerning the accident, doctors, in the event you are injured and your insurance company. Soon after your accident, you will also likely receive a call from the other driver's insurance adjuster. You might also be bombarded with questions as to every detail of the accident, your insurance information, your vehicle type and what medical attention you received after the accident.

This will not be your last call with the insurance adjuster. You might receive numerous calls in the days to come. If you are attempting to negotiate a settlement on your own, you could end up speaking with the insurance company numerous times. Finally, sometimes months later, you might even receive a settlement offer, leaving you with the important decision of whether to accept that offer.

Consider the Following Factors Before Accepting A Settlement Offer:

  • Who was at fault for the accident?
  • How much damage did your vehicle sustain? What was the estimate to repair or replace it?
  • What physical injuries did you suffer?
  • How much were your medical expenses and hospital visits?
  • Will you need ongoing medical care?
  • How much are your prescription drug costs?
  • How much time did you require off work?
  • What did you lose total in wages?
  • Did your spouse suffer relationship or emotional attachment issues due to the accident (loss of consortium damages)?
  • Did you experience pain and suffering?
  • Did you experience mental anguish or suffering?

With these factors in mind, you should be able to estimate the true value of your claim. An experienced automobile accident attorney can be of great assistance in evaluating your claim and fighting for your full recovery. As a for profit company, the insurance company has a vested interest in making the lowest offer possible. This makes it imperative that you perform your own calculations to ensure you do not accept a settlement amount that will leave you struggling to pay uncovered medical bills or continuing to experience ongoing, uncovered losses. Further, there is no reason to accept a settlement offer without speaking with an attorney, who can advise you as to what steps to take to protect your rights.

Montlick and Associates, Attorneys at Law: Experienced Georgia Auto Accident Firm

If you or a loved one has been injured in a car or other traffic accident, contact the Georgia Automobile Accident Attorneys at Montlick and Associates, Attorneys at Law. Our law firm is dedicated to assisting injured accident victims across Georgia and in the Southeast. We bring over 37 years of experience to your automobile accident case. The sooner you act after your injury, the greater your chances of obtaining a full recovery. As such, it is important that you seek the assistance of a licensed lawyer as soon as possible. Call Montlick & Associates, Attorneys at Law, 24 hours a day/7 days a week for your Free Consultation at 1-800-LAW-NEED (1-800-529-6333). You can also visit us online at and use our Free Case Evaluation Form or 24-hour Live Online Chat.


Category: Auto Accidents

Please Note:
Many of our blog articles discuss the law. All information provided about the law is very general in nature and should not be relied upon as legal advice. Every situation is different, and should be analyzed by a lawyer who can provide individualized advice based on the facts involved in your unique situation, and a consideration of all of the nuances of the statutes and case law that apply at the time.