A “Sample Letter To Reject A Low Ball Personal Injury Offer” helps you say “no” to an unfair settlement. It’s for when an insurance company offers way less money than your injury deserves. You need it after a car accident, slip and fall, or any injury caused by someone else’s fault.
Dealing with a low offer is frustrating. We understand! So, we’re here to help you fight back. This article provides templates and examples.
We’ll give you easy-to-use samples. These samples take the stress out of writing. You’ll be able to craft a strong rejection letter with ease.
Sample Letter To Reject A Low Ball Personal Injury Offer
[Your Name]
[Your Address]
[Your Phone Number]
[Your Email Address]
[Date]
[Insurance Adjuster Name]
[Insurance Company Name]
[Insurance Company Address]
Re: Claim Number [Claim Number] – Personal Injury Claim
Dear [Insurance Adjuster Name],
I am writing in response to your settlement offer of [Offer Amount] regarding my personal injury claim related to the accident that occurred on [Date of Accident] at [Location of Accident].
After careful consideration, I must reject this offer as it does not adequately compensate me for the damages I have sustained as a result of the accident. These damages include medical expenses, lost wages, pain and suffering, and potential long-term care needs.
I have incurred [Total Amount] in medical bills to date, and I anticipate needing further treatment in the future. I have also lost [Number] weeks of work, resulting in a loss of income. The accident has significantly impacted my life, causing considerable pain and emotional distress.
I believe a fair settlement should reflect the full extent of my damages. I am open to further negotiation, and I am prepared to provide additional documentation to support my claim if needed.
I look forward to your response and a revised offer that accurately reflects the value of my claim. Please contact me at your earliest convenience to discuss this matter further.
Sincerely,
[Your Name]
How to Write Sample Letter To Reject a Low Ball Personal Injury Offer
1. Crafting a Compelling Subject Line
The subject line is your first impression. Don’t squander it. Instead of a bland “Re: Settlement Offer,” opt for something more assertive, like “Re: Unacceptable Settlement Offer – Claim # [Your Claim Number]” or “Rejection of Offer – Insufficient Compensation for Injuries – Claim # [Your Claim Number]”. This immediately sets the tone and underscores the gravity of your response.
2. Salutation: Maintaining Professionalism
Begin with a formal salutation. “Dear [Insurance Adjuster’s Name],” is always a safe bet. If you don’t know the adjuster’s name, “Dear Claims Adjuster,” will suffice. Eschew overly familiar greetings.
3. Acknowledging Receipt and Expressing Disappointment
Acknowledge the receipt of their offer, but immediately pivot to expressing your profound disappointment. For example: “Thank you for your letter dated [Date] outlining your settlement offer. While I appreciate your promptness, I must express my profound disappointment with the proposed amount.” This avoids any ambiguity about your intentions.
4. Articulating the Extent of Your Injuries and Losses
This is where you delineate the full extent of your suffering. Be explicit, but avoid hyperbole. Include:
- A succinct summary of your injuries.
- A detailed account of medical treatments received and ongoing.
- Quantifiable financial losses: medical bills (past and future), lost wages, property damage.
- Non-economic damages: pain, suffering, emotional distress, diminished quality of life. State these explicitly; don’t be reticent.
5. Explaining Why the Offer is Unreasonable
Don’t just say the offer is low; explain why it’s an insult to your legitimate claim. Correlate the offer amount to the injuries and losses you’ve already outlined. For instance: “Your offer of $[Offer Amount] is woefully inadequate considering the extensive medical treatment I have undergone, the permanent impairment I now suffer, and the significant financial burden I have incurred. This offer fails to account for the long-term ramifications of my injuries.”
6. Presenting Your Counteroffer (Anchoring High)
Now, state your counteroffer. This figure should be substantially higher than your actual bottom line, providing room for negotiation. Justify it with a brief reiteration of your damages. “Based on the aforementioned injuries, losses, and the enduring impact on my life, I am seeking a settlement of $[Desired Amount]. This figure accurately reflects the compensation I am entitled to under the law.”
7. Closing with a Call to Action and a Professional Tone
End the letter with a clear call to action, indicating your willingness to negotiate but asserting your resolve. “I am open to further discussion regarding my claim. However, I must reiterate that the initial offer is unacceptable. I anticipate a more equitable offer that appropriately compensates me for my injuries and losses. I look forward to your prompt response.” Close with “Sincerely,” followed by your full name and contact information.
Frequently Asked Questions: Rejecting a Low Ball Personal Injury Offer
Navigating personal injury claims can be complex, especially when settlement offers are unsatisfactory. This FAQ section clarifies how to effectively reject a low ball offer and protect your rights.
What is a “low ball” offer in a personal injury claim?
A low ball offer is a settlement offer that is significantly lower than the actual value of your damages, including medical expenses, lost wages, and pain and suffering.
Why is it important to formally reject a low ball offer?
Formally rejecting an offer creates a clear record of your dissatisfaction and preserves your negotiation position for future discussions or potential litigation.
What should I include in my letter rejecting the offer?
Your letter should clearly state that you are rejecting the offer, briefly explain why you believe it is inadequate, and reiterate your damages and settlement expectations.
Should I mention my willingness to negotiate further in the rejection letter?
Yes, expressing openness to negotiation can keep communication channels open and potentially lead to a more favorable settlement.
Is it necessary to hire an attorney if I receive a low ball offer?
While not always required, consulting with an attorney is advisable. An attorney can assess the true value of your claim and provide guidance on negotiating a fair settlement or pursuing legal action.
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