Should You Accept the Insurance Company’s First Offer?

In most cases, no. A first offer from the other driver’s insurance company often arrives before you know how serious your injuries are or what your treatment will cost. Accepting usually means signing a release. Once you accept, that number is final, even if your injuries turn out to be more serious than expected.

Why early offers come quickly

The adjuster who calls you works for the insurance company, and their job is to resolve the claim for as little as possible. An early offer can sound generous, especially when bills are arriving and you are [COPY INCOMPLETE: sentence needs an ending]

What signing a release means

A settlement release ends your claim. If you later need surgery, physical therapy, or more time off work, you cannot go back and ask for more. That is why it matters to understand your full medical picture before you settle.

How much insurance the other driver may have

Since January 1, 2025, California drivers must carry at least $30,000 per person and $60,000 per accident for injuries, and $15,000 for property damage. If the at-fault driver carries only the minimum and your losses are higher, your own uninsured/underinsured motorist coverage may apply. An attorney can identify every policy that may cover your claim.

What to do when an offer arrives

Do not sign anything or give a recorded statement until you understand what your claim is worth. Keep every medical record, bill, and receipt. Then get a case review before the offer expires.

How AM Legal helps

Teni and Alex work every case together, so two attorneys review every detail of your claim. When an insurance company will not make a fair offer, they are prepared to take the case to court.