Beware of Low Initial Insurance Settlement Offers: Protect Your Rights After an Accident
John Fitzpatrick Jr

After an accident, you may be eager to move on and recover physically, emotionally, and financially. But before you accept that first offer from the insurance company, it’s important to understand one thing: initial settlement offers are often far lower than what your claim is actually worth.

 

At The Law Office of John Fitzpatrick, we help injury victims across North Carolina protect their rights and maximize personal injury compensation. If you've been injured in Durham or Raleigh, consulting with an experienced lawyer in Durham or a trusted attorney could mean the difference between a lowball offer and the full compensation you deserve.

Why Insurance Companies Offer Low Initial Settlements

Insurance companies are for-profit businesses. Their goal is to minimize payouts to protect their bottom line—not to ensure you receive fair compensation. Some common tactics include:

  • Offering a quick payout to close your claim before you understand the full extent of your injuries.

  • Downplaying your injuries or suggesting they're unrelated to the accident.

  • Using your own words against you in statements taken shortly after the incident.

  • Discouraging you from hiring a lawyer, hoping to settle before you get proper legal advice.

If you're not careful, you could end up accepting a settlement that doesn't cover your medical bills, lost wages, or long-term care needs.

The Cost of Settling Too Soon

Many injury victims don’t realize the long-term financial implications of their injuries until it's too late. Consider:

  • Delayed symptoms like whiplash or brain injuries may not appear immediately.

  • Ongoing treatments like physical therapy can be costly and long-lasting.

  • Lost earning potential due to time off work or permanent disability can drastically impact your future.

Once you sign a settlement agreement, you waive your right to pursue additional compensation, even if your injuries worsen. That’s why it's critical to speak with a qualified  lawyer in North Carolina, especially in Durham or Raleigh before agreeing to anything.

How We Help You Maximize Compensation

At The Law Office of John Fitzpatrick, we know how to deal with insurance companies. Here's how we help clients maximize personal injury compensation in North Carolina:

  • Conduct a thorough case evaluation to determine the full value of your claim.

  • Gather evidence and documentation to support your injury, expenses, and non-economic damages.

  • Negotiate aggressively with insurance adjusters who try to lowball your settlement.

  • Represent you in court, if necessary, to fight for the compensation you’re owed.

We understand the physical, emotional, and financial toll of personal injuries, and we’re committed to fighting for the justice you deserve.

 

Don’t Settle for Less. Talk to an Attorney First

Before you sign anything, talk to us. Whether you're in Durham, Raleigh, or anywhere in North Carolina, our team is ready to guide you through the legal process and protect your rights.

📞 Call The Law Office of John Fitzpatrick today to schedule your free consultation with a dedicated NC attorney. Let us help you maximize your personal injury compensation in North Carolina.