Insurer Negotiation Methods Low Offer

by | Oct 9, 2017 | Insurance Laws | 0 comments

Insurance companies have several negotiation tactics that tilt the settlement evaluation in their favor. You will need a qualified Michigan injury attorney who can address these tactics and secure maximum value for your personal injury settlement.

The unreasonably low offer

The following are some known insurer negotiation tactics and some ways that an expert Michigan injury attorney can address them.

Suppose that your personal injury attorney assess your case to be worth somewhere in the $15,000 to $20,000 range. Your baseline is $12,000 and you and your attorney are aiming for $15,000 or better. Your attorney sends a letter of demand for settlement of $27,500 to the adjuster, who contacts your attorney and says he has examined the demand and offers an amount of $3,000. The adjuster provides little or no explanation for the very low offer.

Such an inexplicable offer could mean at least one of the following:


  • Your demand was so outlandishly high that the adjuster responded with his or her own ridiculous demand.
  • You are dealing with a conservative carrier who prefers to litigate rather than settle.
  • The adjuster is testing you and your personal injury attorney, hoping for both of you to cave in to the bad offer.
  • The adjuster is coaxing you and your attorney to lower your expectations in the case.
  • The adjuster has received minimal authority from his superiors or may be new to the job.


Your Michigan injury attorney can try several approaches in responding to the lowball offer, depending on the circumstances and your attorneys past experience with the adjuster.


  • You and your attorney may reconsider your demand and reduce your demand if appropriate.
  • If the carrier is conservative and refused to pay maximum amount until trial or at least at the last minute, your attorney can file your lawsuit and get ready to litigate.
  • Your attorney can ask the adjuster if it is possible for the offer to increase. If so, your attorney can propose a medium-range demand and wait for the adjusters next offer. If the adjuster moves up much closer to your bottom line, both parties can negotiate to achieve the settlement to a reasonable and acceptable range.
  • Your attorney can ask why the figure is so low. If the adjuster responds with good reasons, your attorney could try to attempt to reach settlement. If not, your attorney may ask to negotiate with the adjusters supervisor or claims manager. If the request is denied, your attorney would have no choice but file suit and get ready for trial.


Injured claimants seeking legal assistance from a Michigan injury attorney are welcome to call the Law Offices of Christopher Trainor & Associates at 1-800-961-8477. The initial consultation is free.


Cadillac, MI – Child Injured in Bicycle Crash at Granite & Laurel St

Cadillac, MI (June 3, 2023) - A 12-year-old boy was hurt while riding a bike in Cadillac on Friday night, June 2.  The fatal accident was reported at the corner of Granite and Laurel Street at around 6:40 p.m. The victim was traveling by bicycle when he was hit by a...

Algonac, MI – Debra Fox Killed in Boating Accident at Algonac Harbor Club

Algonac, MI (June 3, 2023) - A Clarkston woman was killed in a boating accident in Algonac over the weekend on Friday, May 26.  The deadly accident took place at the Algonac Harbor Club on M-29 near State Street. When emergency responders arrived, they found a 23-foot...

Imlay City, MI – Woman Killed, Man Hurt in Can-Am Spyder Motorcycle Crash on M-53

Imlay City, MI (June 3, 2023) - A woman was killed and a man injured following a crash involving two motorcycles in Imlay City on Sunday afternoon, May 28.  The fatal accident was reported on M-53 as the woman was riding a Can-Am Spyder three-wheeled motorcycle and...

Flint Twp, MI – Two Killed, One Hurt in Wrong-Way Crash at I-75 & Beecher Rd

Flint Twp, MI (June 3, 2023) - A head-on crash in Flint Township on Saturday, May 27, left two people dead and another in critical condition.  At around 10:35 p.m., two vehicles collided on Interstate 75 near Beecher Road. It was reported that a 43-year-old man from...

Holly Twp, MI – Burton Man Killed in Motorcycle Crash at Belford & Holly Rd

Holly Twp, MI (June 3, 2023) - On Monday, May 29, a motorcyclist was killed following a collision in Holly Township.  The deadly accident was reported at the intersection of Belford and Holly Roads early that morning. A 53-year-old Burton man was headed northbound on...

Gladwin, MI – Woman Hurt in Three-Vehicle Crash on M-61

Gladwin, MI (June 3, 2023) - A woman was injured after a pileup collision in the Gladwin area on Tuesday, May 23.  The accident was reported on M-61 that afternoon. Three vehicles reportedly collided at the scene. A woman was hurt in the crash, and she was treated at...

Kingsford, MI – Two Hurt after Car Crashes into Healthcare Building on Pyle Dr

Kingsford, MI (June 3, 2023) - Two people were injured after a vehicle crashed into a building on Pyle Drive in Kingsford on Thursday afternoon, June 1.  The accident occurred as a 2003 Ford Crown Victoria was traveling on the roadway and crashed into the Northpointe...

Walker, MI – Driver Seriously Hurt in Two-Car Crash at Elmridge Dr & 3 Mile Rd

Walker, MI (June 3, 2023) - Two people were injured after a two-vehicle collision in Walker on Wednesday, May 31.  The accient was reported at the intersection of Elmrige Drive and 3 Mile Road at around 8 a.m. A driver was making a left turn when they were hit by an...

Frenchtown Twp, MI – Monroe Man Dies in 18-Wheeler Crash at Telegraph & Newport Rd

Frenchtown Twp, MI (June 2, 2023) - On Monday, May 29, a Monroe man was killed after being hit by a semi-truck in Frenchtown Township.  The victim was riding a 1989 Honda Hurricane motorcycle when he was hit by a black 2020 Peterbilt tractor-trailer at the...

Gaines Twp, MI – Britt Bridge Killed in Motorcycle Accident at Morrish & Hill Rd

Gaines Twp, MI (June 2, 2023) - A crash involving a pickup truck and a motorcycle in Gaines Township resulted in the death of a Swartz Creek man on Saturday, May 27.  The deadly crash occurred at the corner of Morrish and Hill Roads at around 11 p.m. that night. It...