ClaimFinch

Low offers

Insurance offer feels too low? You don't have to take it.

A first offer is the insurer's opening number, often made before all your bills are in. Check your claim in about 60 seconds. It's free, with no obligation.

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What kind of accident were you in?

Car accidentTruck or commercial vehicleUber or LyftMotorcycleHit while walking or cyclingSomething else

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Insurance offer too low? Here's what you can do.

The short answer

You don't have to accept an offer that seems too low. Ask the adjuster how they reached the number, gather the records that show your full costs, and respond in writing. If they won't move, an injury attorney can negotiate for you or file a lawsuit before the deadline.

Why the first offer can be low

The adjuster's job is to settle claims for the insurance company. A first offer is their opening number, often made before all your bills are in.

It may leave out treatment you still need, pay you've lost, or the effect the injuries have had on your daily life.

Ask how they got the number

Ask the adjuster in writing which bills and records they used, and what they left out. Their answer often shows exactly what's missing.

The 3-Point Claim Check

  1. 1

    An injury

    You were hurt, even if it didn't seem serious at first.

  2. 2

    Someone else at fault

    Another driver or company caused the crash.

  3. 3

    Insurance coverage

    There's a policy that may cover what happened.

Start free check

Build your side

  • Medical records and itemized bills.
  • A note from your employer about missed work and lost pay.
  • Your doctor's notes on any treatment you still need.
  • Photos of your injuries and the vehicles.
  • A short diary of how the injuries affect your daily life.

Respond in writing

Reply with what's missing and attach the records. Keep it factual and calm, and keep copies of everything you send and receive.

When to bring in an attorney

If the insurer won't move, disputes fault, or the deadline is getting close, it's worth talking to an injury attorney. They can negotiate and, if needed, file a lawsuit before the deadline.

How it works

  1. 1

    Answer a few questions

    Tell us what happened. It takes about a minute.

  2. 2

    A local attorney's office calls you

    If it looks like you might have a claim, we match you with one participating attorney near you, and their office gives you a quick call.

  3. 3

    They explain your options for free

    No upfront attorney's fees, and they're only paid if you recover.

Common questions

Is a low offer bad faith?

Not necessarily. A low offer on its own usually isn't bad faith. Bad faith involves things like refusing to investigate or unreasonably delaying payment. An attorney can tell you whether anything about your claim crosses that line.

Should I accept part payment now?

Be careful. Accepting a payment can sometimes settle the whole claim, depending on what you sign or what's written on the check.

How long do negotiations take?

It depends on your injuries and how quickly records come in. Keep the deadline in mind, since negotiating doesn't pause it.

Related guides

Got a settlement offer? Check these things before you accept.Got a check from the insurance company? Read this before you cash it.Do I need a lawyer for a car accident?

Last reviewed October 2026. This is general information, not legal advice. Every case is different.

Find out where you stand.It takes about 60 seconds.

Start free check

Answer a few quick questions. If it looks like you may have a claim, a local injury attorney's office will give you a call soon, so keep your phone close. You don't have to go ahead.