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Examples of settlement amounts reported for common car accident injuries.
Neck and soft-tissue injuries from rear-end and side-impact collisions, often with ongoing therapy.
Fractures to the arm, leg, ribs or pelvis, with higher values when surgery or lasting limitations are involved.
Back injuries from high-impact crashes, with higher values when surgery or long-term restrictions are involved.
The person who calls you after a crash works for the insurance company. They do not work for you. Their job is to close your claim fast and pay you as little as they can. They will not tell you what your claim is really worth. They do not have to.
Quick offers often come before you know the full extent of your injuries, future treatment or lost income. Once you accept, you usually can’t ask for more.
Insurers use claims software and years of data to estimate what a claim is likely to settle for. You’re negotiating against that with no idea what it says.
Ongoing therapy, time off work, future medical care, and pain and suffering often don’t show up in an early offer.
Adjusters may ask for a recorded statement early on. Casual comments like “I’m fine” can be used later to reduce your claim.
Many people accept because the bills are piling up. That pressure is part of why early offers tend to be low.
An attorney can review your claim, explain what it may really be worth, and handle the insurance company for you. Many claims are resolved through negotiation, without going to court.
Answer a few quick questions about the crash, your injuries and timing.
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Discuss your situation directly with them, ask your questions and decide on next steps.