What to Do When Your Injury Settlement Offer Feels Unfair?
Attorney Tyson Mutrux describes in this video What to do With Low Ball Offers on Your Injury Claim
If you’ve been injured in Missouri or Illinois, you expect the insurance company to treat your claim fairly. Unfortunately, many injury victims find themselves facing a low-ball offer soon after filing their claim. Understanding how to respond can make a significant difference in your final settlement. Contact us for bodily injury claims
Why Do Insurance Companies Make Low Offers?
Insurance companies are businesses, and their goal is to minimize payouts. Often, they start with a low offer to “feel you out” and see if you’ll accept less than your claim is worth. They hope you’ll settle quickly, especially if you’re under financial stress after an accident.
What Should You Do When You Receive a Low-Ball Offer?
First, don’t panic or accept the offer right away. Take the following steps to protect your rights:
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Evaluate the Offer Carefully
Review the offer with your attorney. Compare it to your actual damages, including medical bills, lost wages, and pain and suffering. -
Consider Making a Counteroffer
Sometimes, the insurance company’s first offer is just a starting point. By making a counteroffer, you show that you know your claim’s value and are willing to negotiate. In many cases, the insurer will respond with a much higher offer-sometimes double or triple the initial amount. -
Know When to File a Lawsuit
If the insurance company refuses to budge or continues to make unfair offers, it may be time to file a lawsuit. Taking legal action shows you’re serious and can motivate the insurer to make a more reasonable settlement. -
Weigh the Costs and Benefits
Filing a lawsuit can increase case expenses and take more time. However, if the insurance company is not negotiating in good faith, litigation may be your best option.
How Mutrux Firm Injury Lawyers Can Help?
Our team serves clients throughout St. Louis, Columbia, and communities across Missouri and Illinois. We know the tactics insurance companies use and how to respond effectively. From the moment you receive a low offer, we’ll help you:
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Gather and present strong evidence for your claim
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Negotiate assertively with the insurance company
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Advise you on when to settle and when to file suit
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Guide you through every step of the legal process
Don’t let a low-ball offer prevent you from getting the compensation you deserve. Contact Mutrux Firm Injury Lawyers for a free case evaluation. We’re here to defend your rights and help you move forward.
Frequently Asked Questions about Low Offers on Injury Claims
What is a low-ball offer in a personal injury case?
A low-ball offer is a settlement proposal from the insurance company that is far below the actual value of your claim. Insurers use this tactic to save money and test whether you’ll accept less than you deserve.
Should I accept the first offer from the insurance company?
Rarely. The first offer is usually just a starting point for negotiations. Always review the offer with your lawyer before making any decisions.
How do I know if the offer is fair for injury claim
Compare the offer to your total damages, including medical expenses, lost income, future care needs, and pain and suffering. Your attorney can help you calculate a fair settlement range.
What happens if I reject the insurance company’s offer?
You can make a counteroffer or, if negotiations stall, file a lawsuit. Sometimes, rejecting a low offer leads to a much higher settlement.
Will filing a lawsuit guarantee a better outcome?
Not always, but it often puts pressure on the insurance company to offer more. Your lawyer will help you weigh the risks and benefits based on your unique situation.
How long do I have to decide whether to accept an offer in personal injury case?
You have until the statute of limitations expires, which is generally five years in Missouri and two years in Illinois for most personal injury claims. However, it’s best to act promptly and consult a lawyer as soon as possible.
How to Find the Best Personal Injury Lawyer in Missouri or Illinois?
Award-Winning Personal Injury Lawyer Recognized for Excellence in Missouri
At Mutrux Firm Injury Lawyers, our results speak through the voices of our clients and now, through the honors we’ve earned in the community. Tyson Mutrux was proudly awarded Best Attorney in Columbia for 2025 by Inside Columbia Magazine, a recognition that reflects not only legal skill but also the deep trust of those we serve in Missouri.
A lawyer’s reputation speaks volumes about their ability to handle cases effectively. Whether you need legal representation for a personal injury claim, car crash claim, medical malpractice, or any other legal matter, choosing an attorney with a proven track record is essential.
Reading online reviews, client testimonials, and industry recognitions can help you gauge a lawyer’s credibility. Tyson Mutrux has built a strong reputation in Missouri, earning a 10.0 Superb rating on Avvo and recognition from Expertise as one of the Best Medical Malpractice Lawyers in St. Louis (2020).
Additionally, he has been honored by The National Trial Lawyers’ “Top 40 Under 40” for his dedication to achieving the best possible outcomes for his clients. His attention to detail, strong communication skills, and history of satisfied clients are reflected in numerous positive Google reviews.
You can also connect with us directly on Google to see reviews, updates, and more:
Mutrux Firm Injury Lawyers – St. Louis
Mutrux Firm Injury Lawyers – Columbia
We serve clients across Missouri and Illinois, with dedicated offices in St. Louis and Columbia.
If you’re facing a low offer on your injury claim, don’t settle for less. Contact Mutrux Firm Injury Lawyers today for guidance and strong representation in Missouri and Illinois.