Seeking Advice on Car Accident Settlement Offer
I was in a car accident in early December last year. While driving through an intersection, another vehicle pulled out in front of me, and I collided with it at about 40 mph. Unfortunately, the airbag in my 24-year-old car did not deploy, and I hit my head on the steering wheel. As a result, I suffered a concussion and have been dealing with neck, jaw, back, knee, and shoulder pain. While some issues have improved, I am still struggling with lingering headaches, as well as ongoing shoulder and knee problems. I’ve attended at least a dozen physical therapy appointments, and my doctor is doing her best to manage my headaches.
My insurance company determined that the other driver was 100% at fault but is handling the claim through my uninsured motorist coverage since the other driver did not have insurance. They’ve offered me $2,500 for pain and suffering, but I’m wondering if this amount is fair.
As someone who is new to navigating this process, I feel the offer seems low, especially given my daily headaches and persistent shoulder and knee discomfort.
I would greatly appreciate any thoughts or advice on this matter. I’m not looking to be greedy, but this accident has significantly impacted my life over the past three months.
For reference, I’m located in Wisconsin, which may be relevant to any insights. Thank you!
I’m sorry to hear about your accident and the ongoing issues you’re facing. Based on what you’ve shared, it does seem that the offer of $2,500 for pain and suffering might be low, especially given your persistent symptoms and the fact that you’ve had numerous physical therapy appointments.
Generally, settlement amounts can vary widely depending on the severity of injuries, medical expenses, lost wages, and how the injuries have impacted your daily life. Since you’re experiencing ongoing pain and the difficulties it brings, it’s worth considering these factors in negotiating a higher settlement.
Here are a few steps you might take:
Document Everything: Make sure you have records of all medical treatments, diagnoses, therapy sessions, and any impact on your daily activities or work. This documentation can help support your case.
Consult with a Personal Injury Attorney: Since settlements can be complex, particularly when dealing with uninsured motorists, seeking advice from a personal injury lawyer could be beneficial. They can help you evaluate the offer, negotiate on your behalf, and ensure you are getting a fair settlement.
Consider Future Medical Expenses: If your pain continues or you might need further treatment in the future, factor those potential costs into your negotiations.
Look at Settlement Calculators: Some online resources can help you estimate what others in similar situations have received in settlements. This could give you a better idea of what’s typical.
Don’t Rush the Settlement: If possible, take your time to assess your situation fully before accepting an offer. It’s crucial to ensure that the settlement adequately covers all current and future expenses related to your injuries.
It’s entirely reasonable to seek a settlement that fairly reflects the impact this accident has had on your life. Good luck!