A first offer from an insurance adjuster is like the first kiss on a date: It usually leads to something more substantial. At least that's my experience (recently in law, and a long time ago in dating). Yes, I have plenty of recent experience (more than 20 years) in New York personal injury law.
When you are hurt because of someone else's negligence, you are likely to get a call from an insurance adjuster fairly soon. He or she will offer you money to settle. It probably won't be enough. My advice? Think of it as a first date. If you simply take that offer, and sign a "release", and say goodbye, you'll never find out what would have happened on the second date.
As Nancy Reagan used to say, "just say no"! Don't worry about the offer evaporating. As a New York personal injury lawyer with many years' experience, I have never seen that first offer "disappear". I have never even seen and insurance adjuster LOWER an offer, much less take it off the table. And I have seen many, many times, indeed most times, insurance adjusters INCREASE their offer.
What makes the adjuster increase her offer?
(1) As you continue to treat for your injuries, the medical records often document more serious injuries than the adjuster or you were aware of at the first offer.
(2) If you hire a New York personal injury lawyer who has a good track record in court, the adjuster is likely to immediately rethink her initial offer.
(3) If you hire a New York personal injury lawyer worth his or her salt, they will know how to "build" your case with the adjuster, by highlighting the significant features of your medical records and the other facts of your case.
Bottom line: Don't take that first offer. See a lawyer. Your offer is likely to increase significantly, and it is almost unheard of for it to decrease or disappear. Call me to find out more.
Email me at: email@example.com I'd love to hear from you!
Michael G. Bersani, Esq.
Central NY Personal Injury Lawyer
Michaels & Smolak, P.C.