Search Site
Menu
The “Final Offer”: A Common Insurance Company Bluff

The “Final Offer”: A Common Insurance Company Bluff

If an insurance adjuster tells you that he or she will be unable to make any further offers, they may be bluffing, especially if it’s still early in your personal injury case. After learning a little about the way insurance companies and personal injury claims work, you’ll see that insurance companies often have very little to gain from following through on such a bluff.

Seeing Through Insurance Company Tactics

First, the value of your personal injury claim is not time-sensitive. A $30,000 case will still be worth $30,000 a week from now, a month from now, and even a year from now. Your case value is based on your total medical expenses and on the evidence you have that the insured person is liable for your injury. Both of these factors are very unlikely to diminish over time — your medical bills may increase, if anything, and properly documented and preserved evidence is not going to just disappear.

Furthermore, if your claim does proceed to trial, the insurance company could lose more money than if they simply paid you a fair value for your claim since a lawsuit will require the insurance company to pay a team of lawyers. Not only that, but insurance adjusters are often weighed down by heavy caseloads, and if an insurance adjuster devotes too much time to your individual case (which they almost certainly will if it turns into litigation), this can reflect poorly on the adjuster when his or her superiors evaluate their performance.

RELATED: These 6 Tips Can Help You After a Car Accident

If an insurance company tries to use the “final offer” tactic on you, then you and your attorney should compare how much a lawsuit will cost you with how much a lawsuit will cost them. If it becomes very clear that the insurance company is bluffing, your attorney might want to remind them just how much a lawsuit will cost. Or, the personal injury attorney can counter-bluff and threaten to withdraw all demands and file suit.

Need Help Dealing with an Insurance Company After Being Injured in South Carolina? Contact David L. Hood

Don’t let unscrupulous insurance adjusters bully or intimidate you. If you’ve been injured and you want to seek compensation by filing a personal injury claim, you may benefit from having an experienced and knowledgeable advocate on your side. Call South Carolina personal injury lawyer David Hood today for a free consultation.

The content provided here is for informational purposes only and should not be construed as legal advice on any subject.

Leave a Reply

Your email address will not be published. Required fields are marked *

Our Offices
    • Charleston
      170 Meeting St.
      Charleston, South Carolina 29401
      Phone: 843-444-4663
    • Columbia
      1320 Main St., Suite 300
      Columbia, South Carolina 29201
      Phone: 803-227-4668
    • Georgetown Office
      601 Front Street
      Georgetown, South Carolina 29440
      Phone: 843-527-8010
    • Greenville (Downtown)
      220 N. Main St.
      Suite 500
      Greenville, South Carolina 29601
      Phone: 864-272-3992
    • Greenville (Millport at Butler)
      128 Millport Circle
      Suite 200
      Greenville, South Carolina 29607
      Phone: 864-272-3992
    • Hilton Head
      110 Traders Cross
      1st Floor
      Bluffton, South Carolina 29909
      Phone: 843-663-4040
    • Mt. Pleasant
      1240 Winnowing Way
      Suite 102
      Mt. Pleasant, South Carolina 29466
      Phone: 843-491-6025
    • Myrtle Beach Office
      1293 Professional Dr.
      Suite D
      Myrtle Beach, South Carolina 29577
      Phone: 843-444-4663
    • Murrells Inlet(Principal) Office
      11919 Plaza Drive
      P.O. Box 2070
      Murrells Inlet, South Carolina 29576
      Phone: 843-491-6025
      Fax: 843-357-0068
    • N. Charleston
      4000 S. Faber Place Dr.
      Suite 300
      N. Charleston, South Carolina 29405
      Phone: 843-779-7567
    • North Myrtle Beach Office
      1019 Highway 17 S.
      North Myrtle Beach, South Carolina 29582
      Phone: 843-663-4040
    • Rock Hill
      331 E. Main St.
      Suite 200
      Rock Hill, South Carolina 29730
      Phone: 803-227-4668
contact us