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Robert E. Craven & Associates Rhode Island Personal Injury Attorney

What Happens If You Reject The Insurance Company’s Settlement Offer After A Car Accident?


If you have been involved in a car accident, you might be entitled to compensation by pursuing a personal injury claim against the at-fault driver’s insurance policy. Once a claim is filed, the insurance company may offer a settlement that does not reflect the full extent of your damages and losses.

For this reason, it makes perfect sense to wonder, “What happens if I reject the insurance company’s settlement offer after my car accident in Rhode Island?” How you respond to the insurer’s settlement offer will have a significant impact on the success of your personal injury case.

That is why it is advisable to consult with an experienced attorney to review your particular case and determine whether to approve or reject the insurance company’s settlement offer. If an insurance company offers you a settlement, do not hesitate to speak with our Rhode Island car accident attorney at Robert E. Craven & Associates.

Should You Accept the Insurer’s Settlement Offer?

If you have not talked to your attorney yet, it is not advised to accept the insurance company’s settlement offer. Once you accept the offer, you will automatically lose your right to seek additional compensation in the future.

So, if the insurance company made a settlement offer when you filed your claim, do not accept the offer orally or in writing (email or letter) before you consult with your lawyer. However, just because it is not advised to accept the offer, it does not necessarily mean that you should reject the offer right away.

What Happens if You Reject the Insurer’s Settlement Offer?

If you have spoken to your lawyer, and he says that you should decline the insurance company’s settlement offer, you should reject the offer and make a counteroffer to begin negotiations with the insurer.

Any knowledgeable and respectable attorney will be able to present strong arguments to support the rejection of the insurance company’s offer. If you do not have solid arguments to decline the insurer’s offer, your attempts to negotiate a higher settlement offer may be fruitless.

You Need a Rhode Island Car Accident Attorney to Reject the Offer

If you are considering rejecting the insurance company’s settlement offer because it does not adequately compensate you for your losses and damages, seek the assistance of an attorney to help you decline the offer and fight for a fair settlement amount.

You need to understand the legal ramifications of rejecting a settlement offer. Once you reject the offer, that offer is gone forever. You will most likely not be able to accept the same offer later.

For this reason, you need an experienced and knowledgeable attorney to help you understand whether or not you should reject the insurance company offer and prepare a counteroffer. Once a counteroffer is filed, your lawyer will negotiate a fair settlement on your behalf to make sure that you are fully compensated for your damages and losses.

If the insurance company refuses to settle your personal injury case for an acceptable amount, your lawyer can pursue a lawsuit against the insurer. Contact our attorneys at Robert E. Craven & Associates to review your unique situation and determine whether you should accept or decline the insurance company’s offer. Call 401-453-2700 to get your consultation.

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