When (Not) to Accept an Insurance Company’s Offer

by Alex

There are generally two ways to end a personal injury case: Accept an insurance company’s offer or take the case to trial and receive a verdict. Our lawyers may pursue both outcomes simultaneously, meaning we consider offers from the insurance company and negotiate with them while preparing the case for a judge and jury.

At Shulman & Hill, our attorneys know when not to accept an insurance company’s offer and when to agree to a payout. This may differ in each case based on the circumstances. To learn more about how we can help you secure fair compensation, call (555) 555-5555 for your free initial consultation with our team.

You Need to Know How Much Your Case Is Worth Before Accepting an Offer

One of the biggest mistakes injury victims may make when trying to handle a claim on their own is accepting an offer without knowing how much their case may be worth. The purpose of compensation following an injury is to ensure victims do not have to pay for their treatment and other expenses and losses. The at-fault party and their insurer should pay these costs.

To this end, a victim handling their claim must understand how much their injuries cost them before they can seek the appropriate financial recovery for their case. This requires:

  • Gathering documentation of expenses and losses
  • Understanding their prognosis and future expenses
  • Calculating a value for non-economic damages such as pain and suffering

Without managing these three tasks, there is no way to know when to accept an insurance company’s offer.

Our Attorneys Could Calculate a Fair Settlement Range for Your Case

If our lawyers represent you in your New York personal injury case, one step in this process is determining what a fair settlement might look like. To understand the expenses and losses, we may gather documentation—medical bills, income information, paperwork showing missed work, and receipts.

We would also need to document future damages, which could require help from medical experts. We use our experience with similar cases and knowledge of New York personal injury cases to determine how much your pain and suffering might be worth.

We generally do not consider insurance settlement offers before we have a strong understanding of a claim’s value. Doing so might mean settling for too little money and forcing our clients to pay some or all of their future care needs out of pocket.

Knowing When to Accept an Insurance Company’s Offer Protects Your Rights

When you suffer injuries and losses because of someone else’s carelessness or recklessness, you should not have to pay for your medical bills or cover lost income out of your pocket. Instead, you have a right to pursue fair compensation from that party or their insurer.

However, insurance companies generally want to pay as little as possible to settle accident claims. To this end, they may use several tactics to reduce or deny a claim. Our team knows how to spot these tactics and may be able to prevent them from harming our client’s case. This could include:

  • Making an early offer before the victim understands their expenses and losses
  • Making lowball offers
  • Telling the victim they do not need an attorney
  • Using social media, recorded statements, or other “evidence” to downplay the injury

The best way to ensure you understand when to accept an insurance company’s offer is to work with an attorney from the beginning. Our team represents personal injury victims in New York City and statewide.

Shulman & Hill Ensures Our Clients Seek Fair and Just Compensation

Shulman & Hill has recovered more than $250 million in settlements and verdicts for our clients. As New York’s premier personal injury law firm, we know how to determine the estimated settlement range of our clients’ cases. Every case is personal to us, and we fight for the fair and just payout our client deserves.

We navigate even the most difficult and challenging cases and may be able to recover compensation for you. Let us review your case and options during a free initial consultation.

At Shulman & Hill, our personal injury team members provide free case consultations. We review the facts of your case with you and explain how we approach similar cases. We fight for our clients’ best interests. This includes managing negotiations with an insurer and knowing when and when not to accept an insurance company’s offer.

Call (555) 555-5555 now to learn more.

Our History of Success


"The treatment received by Shulman & Hill was extremely excellent. They treated me like I was part of their family and that gave me a lot of confidence in them. I would recommend them one hundred percent because they are very trained in your area. I congratulate you and ask God to fill you with blessings. Gracias for your support."

Ramon E.

"I would like to thank The Shulman & Hill Law Firm in Brooklyn for their outstanding representation on my worker’s compensation case. The monetary reward exceeded our expectations and Alex worked closely with me to meet and exceed my goals."

John S.

"To anyone in need of a worker’s compensation lawyer, I highly recommend Alex Shulman and his team. They went above and beyond to best accommodate me during my time of injury. All my questions and concerns were answered in a timely manner and with the utmost professionalism. In addition and most importantly they fought to make sure I was correctly compensated for my injuries at time of settlement and didn’t rush to get paid. I will be recommending their firm to anyone and everyone in need of their services."

Chaim L.

"I am both satisfied and relieved with the results this extremely professional and reliable firm did. They lead me through the entire process, they never gave me any issues. They handled everything on their own, and always put a great deal of effort to ensure my comfort and best interest. They were always reachable and answered all my questions, and gave me information even when I didn’t know what the right question to ask was.  They turned a grave dilemma into something very manageable and repairable. They are efficient and do not linger with any paperwork, I was truly amazed at the results and the short time it took. I highly recommend them to anyone, and will seek their counsel in the future."

Akila B.

"I really appreciate the service I received with Shulman & Hill.  They walked me through the process and kept me informed every step of the way.  They would call and leave a message and when I called back, I was connected with a person who knew exactly what my call was about.  I was very satisfied with my settlements. Thank You!"

Aaron R.

"Alex Shulman did a wonderful job walking me through all the process of my case…making sure I understood all the legality and severity of all my hearing. I highly recommend their firm to handle any and all worker’s compensation cases. They strive for your wellbeing health-wise as well as aiming for the financial max."

Altagrace G.

"Schulman & Hill was my very first choice I chose for my WC case . I am very pleased with the outcome of my case. I would highly recommend them to friends. They are very professional and kept me informed during every step of this process. Should I ever need a WC attorney again, God forbid, Shulman & Hill it is, hands down . Thank you ."

Cheryl M.

"I had a great experience with Shulman & Hill. They have a great team and were very understanding and helpful from day one. I felt like I was in good hands and the outcome on my case overreached my expectations! I highly recommend this firm. You can be rest assured that they will fight for you rights."

Anna G.

"My experience with the Shulman & Hill lawyers during this process time was excellent, they are competent and very professional lawyers, they worked quickly with my case and they kept me informed of the whole process all the time. Shulman & Hill’s fans recommend them with closed eyes, thank you very much Shulman & Hill."

Carolyn G.

"Shulman & Hill is the best firm out there. They help you understand....since walking into Shulman & Hill, they have guided me...to get a win. I am completely happy with my compensation. What brought me to Shulman & Hill was their expertise in workers compensation and personal injury cases. What I found value in was in their mission to provide compassionate service..."

Jason S.

"I went to the Internet to find a lawyer to assist me to navigate worker’s compensation process. Shulman & Hill was my first choice  and I have no regrets. I was impressed with the prompt response to my case. I must comment on the office environment and office staff being  friendly, professional and prompt. A big thanks to the lawyers that represented me at the hearings and Valeria who helped to lessen my anxiety are dealing with legal issues. I have no hesitation in recommending this law firm to anyone that requires legal services."

Ita L.

"The best law firm in NYC! They explain everything to you and they are very generous and helpful. The lawyers are excellent and very respectful as also is the receptionist. I highly recommend the Shulman & Hill law firm."

Davis C.

"Excellent lawyers. Excellent service. I will recommend them as my first choice. They helped me with my case since day one. They know exactly how to work on a case and win it. They worked fast and were always in communication with me.  I won my case with a very high amount. Thanks to all the staff, I wish them my best. They will always be in my heart."

Grace B.

"Had a very positive experience working with Shulman & Hill in the worker’s compensation case. Everyone is very professional and competent. Received the maximum possible settlement in court. I am sincerely grateful to my lawyers and personally Alex Shulman for the work done. I wish you further success and prosperity."

Dmitry M.

"I am so glad that I chose Alex Shulman to represent me in my worker’s compensation case. I have definitely recommended him to some of my coworkers and friends who needed an Attorney. I am so happy with the service I got from him and his paralegals. Thank you very much to the entire staff at Shulman & Hill for everything!"

Ilya K.

"Shulman & Hill have been tremendously helpful in resolving my case. They are extremely professional and thorough. I would recommend them to anyone working to resolve a difficult case."

James M.

"I was very pleased with the work of this firm. They made sure I understood my case and I was never left out of the loop. They were professional and very friendly. I would recommend them to anyone looking for someone who is going to fight for you to the very end."

Jennifer D.

"Do not waste time looking for better. There is no better than Shulman & Hill. I am very happy I got introduced to them by my good friends. Definitely THE BEST there is."

Arian K.

"Shulman and Hill are the absolute best: JJ, Alex and Christine are powerhouse attorneys who get the best results for their clients. I feel like these guys took care of me like family. When you’re dealing with a worker’s compensation case, you’ll want a pit bull to represent you: Shulman & Hill is the firm you need."

Chelsea W.

"Wonderful service quality by the group of professional advocates in the law firm of Shulman & Hill! I did not expect that I will find a proper solution regarding my worker’s compensation. However, it has been possible by the experts and they have made the task easier over the period. Thanks to them for their help."

Corey A.

"I would definitely like to thank Mr. Alex Shulman and his entire staff at Shulman and Hill for their exceptional work in helping me with my Worker’s Compensation case. Their entire staff was courteous and professional from start to finish and all work was done in a timely fashion. I was previously with a different law firm who were not as informative, and they made me feel like I was a mere money to them. I personally recommend the law offices of Shulman & Hill for any injury/ worker’s compensation case you may have. They strive to get you a maximum reward for your injury, while maintaining the utmost courtesy and professionalism."

Dain J.


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