I Rejected A Settlement Offer From The Insurance Company – What Happens Next? 

You may be stressed about what to do next when you get injured due to someone else’s fault. On the one hand, you may be worried about the medical bills piling up, while on the other, you may be thinking about going through tedious legal proceedings. It is important to file a claim and get the compensation you deserve, so it is worth filing a claim.

You might become happy when the insurance company finally offers a settlement after several negotiation sessions. However, you declined the offer because the amount was too low. If you are wondering what to do next, hire an attorney at to learn about your legal options.

You should always reject the first offer and continue negotiating.

If you are worried about rejecting the first offer thinking they won’t offer anything further, you may be wrong. The first offer is usually a trick to see whether you are in a hurry to settle, which is why they offer the lowest amount initially. You can rest assured that with proper negotiation, the insurance company will eventually offer the amount you deserve.

You have the right to a new adjuster from the same insurance company.

When you reject the first offer, the insurance adjuster may no longer want to negotiate with you, making it look like you have lost your only chance at compensation. However, that is only another one of their tactics to scare you. They may create a “take it or leave environment” and say that they have never offered so much for other similar cases.

If the insurance adjuster behaves as such, they may be negotiating in bad faith. In such a situation, you have the right to request another adjuster. Take notes of how the previous adjuster interacted with you and report such activities immediately. Then, you can request a new adjuster.

How to reject a settlement offer? What happens next?

To reject a settlement offer, you should do so in writing. However, always consult an attorney before refusing an amount so they can advise you on what is best for your situation.

After much negotiation, you may be tired of dealing with the insurance company and no longer want to pursue an insurance claim. After rejecting their settlement offer, your case does not have to end. You can still pursue compensation but through a different path.

You may file a lawsuit if you believe your claim is reaching no conclusion through negotiation.