Are You Being “Low-Balled” by Your Insurance Company?

Web Admin - Monday, June 26, 2017

You pay your insurance premium religiously and on time because you know you need to protect your investment. Understandably, you expect your insurance company to pay when an accident or catastrophic incident occurs. Then you file the claim, and the offer that comes back seems low – not just a little low, but really low. What do you do? Hopefully, you recognize that your insurance company is low-balling you, and you reach out for legal assistance.

Low-Ball Offers Are Surprisingly Common

Although insurance companies are infamous for their feel-good, family-like slogans, they are for-profit businesses. They do not make their money paying out settlements. They collect premiums, bank on consumers not needing the policy, and employ various strategies to try and decrease the amount they pay out for each claim.

One of the most commonly used approaches is the low-ball offer. Most often, this strategy is employed by the adjuster responsible for handling your claim. Their hope is that you will take the offer they give you and cash the check. Thankfully, you do not have to accept this offer.

Fighting a Low-Ball Offer

There are many ways to fight against a low-ball offer, but assistance from an insurance dispute attorney is often more effective than facing it alone. Versed in the law and insurance claims, a lawyer can reduce the stress of dealing with the insurance company. They can review your case and ensure you have submitted all the appropriate documentation, which may have affected the offer you were given. Your attorney can also protect your interests and negotiate the most favorable settlement possible, sometimes without ever having to go through litigation.

Unfortunately, even attorneys can experience push-back from insurance companies. Thankfully, they have numerous tools and legal processes at their disposal. For example, your attorney may suggest filing a bad faith lawsuit to increase your settlement. (Bad faith is when an insurance company is failing to do its job. A bad faith lawsuit encourages them to do the right thing.) While it might not be the most appropriate path in every case, it could be an option for those who continue to experience low-ball offers, claim denials, and delayed processing of their claims.

Contact Our Rolling Meadows Insurance Dispute Lawyers

At Drost, Gilbert, Andrew & Apicella, LLC, we protect the rights of victims, including their right to pursue full and fair compensation. Dedicated and experienced, our Rolling Meadows insurance dispute lawyers can fight for you. Learn more about how we can assist with your case by scheduling a personalized, no-obligation consultation. Call 847-934-6000 today.

Ken ApicellaAbout the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.


Recent Posts


Illinois insurance claim dispute lawyers employment contract minimum wage drunk driving statistics Illinois workers compensation lawyer elder law workers comp denied insurance claim insurance claim Illinois business law atorneys personal injury law firm Whistleblower Claims startup company field sobriety test Illinois traffic attorneys Illinois lawyer pay when paid contract rollover car crashes Thanksgiving Illinois pedestrian accident attorney Arlington Heights pedestrian accidents LLCs Illinois insurance disputes DUI penalities digital assets, digital fiduciary, estate planning, digital content, Long Grove estate planning lawyers real estate attorney business litigation personal injury accidents bike accident natural gas BAIID Arlington Heights personal injury lawyer accidental death benefits Illinois estate planning attorney Illinois trusts attorney Kenilworth estate planning lawyer meal breaks Illinois personal injury brain injury privacy Illinois DUI attorney Illinois Smoke Detector Act Deer Park traffic accident attorney Rolling Meadows marijuana attorney special needs trust Buffalo Grove personal injury attorney Buffalo Grove real estate attorney Palatine construction attorney license revocation attorney fees driving ACA Inverness injury lawyer Arlington Heights personal injury attorney Crystal Lake accident attorney wills BUI underfunded trust Illinois criminal defense attorney Rolling Meadows criminal attorney employment law, meal breaks, rest breaks, hotel employees, Des Plaines employment law attorneys speeding irrevocable trust medical marijuana Inverness insurance attorney Super Mario problem employees employment lawyer license suspension Palatine corporate attorney IRELA condo Illinois small business Palatine elder law attorney Buffalo Grove traffic attorney Illinois employee rights attorney. license reinstatement Arlington Heights wills and trusts attorneys condo association nursing home negligence Schaumburg probate attorney Des Plaines pet law attorney income distribution deducation estate planning estate attorney Schaumburg personal injury attorney Illinois corporate lawyer Illinois wills and trusts attorneys Palatine personal injury lawyer Crystal Lake medical malpractice law firm mortgage workers compensation landlord tenant law insurance claim denials wage theft Rolling Meadows employment law attorney Schaumburg estate planning attorney Inverness real estate attorney Palatine law firm jet ski accidents Des Plaines personal injury attorney Illinois real estate traffic offenses Barrington civil litigation attorney estate planning, digital assets, Revised Uniform Fiduciary Access to Digital Assets Act, Illinois digital assets, Illinois estate planning, traffic crimes Schaumburg personal injury lawyers probate claims Arlington Heights medical malpractice lawyer Illinois construction accident attorney Schaumburg civil litigation attorney real estate leasing Illinois estate planning back injuries Rolling Meadows Des Plaines DUI attorney reckless homicide marijuana Class A misdemeanor South Barrington real estate attorney Barrington personal injury attorney Illinois injury lawyer Barrington litigation attorney trust payments Illinois workplace discrimination attorney probate fees Rolling Meadows criminal lawyer Chicago will attorney cell phone tower data taxes traffic laws digital information car crash injuries traffic violations Home Sale Contingencies anesthesia errors manufacturing digital evidence auto accidents Arlington Heights Attorney college kids texting while driving Crystal Lake medical malpractice lawyer Illinois car accident attorney caregiver sole proprietorship construction accidents, personal injury, wrongful death, Arlington Heights personal injury attorneys, workers' compensation TBI eluding a police officer estate planning for college students boating DUI DUI attorney Landlord Tenant Ordinance life insurance lawyer insurance negligence Barrington drug crime attorney Chicago estate planning Illinois insurance claim dispute lawyer residential real estate Illinois Wage Payment and Collection Act drug crimes lawyer Crystal Lake insurance lawyer Barrington employment law attorney real estate lawyer Inverness corporate attorney foreclosure Illinois home inspection cell phone Barrington Illinois estate planning lawyer Chicago traffic lawyer car crashes job lawyers spinal cord injuries creditors pedestrian-automobile accident slip and fall accidents changes to mortgage law Palatine employment attorney insurance disputes, Illinois insurance disputes, Illinois insurance dispute attorneys, denied insurance claims, Arlington Heights insurance dispute attorneys health insurance dispute unfunded trust POA civil litigation attorney GM ignition switches Palatine employment law lawyer Kenilworth estate planning attorneys Rolling Meadows estate planning attorney pet bites living wills no contest clauses workplace sexual harassment Illinois jet ski accident lawyer employment attorney bad faith insurance claims insurance claims license unpaid overtime Des Plaines criminal attorney Illinois employment attorneys Chicago estate planning lawyer Palatine estate planning lawyer healthcare new real estate form car accidents pedestrian accidents Schaumburg employment attorney personal injury claims icy parking lots Palatine punch death rest breaks Illinois medical malpractice attorney Buffalo Grove car accident lawyer jet ski boating under the influence spinal cord injury real estate contract Crystal Lake injury attorney Mount Prospect elder law attorney real estate attorneys fiduciary rule delay murder Illinois employment law criminal underinsured motorist Illinois insurance dispute lawyers Rolling Meadows Traffic Lawyer Palatine real estate lawyer liens gift taxes Illinois pet lawyer pedestrian accident operating agreements small business Deer Park real estate law firm Des Plaines personal injury lawyers Rolling Meadows DUI lawyer mass shooting Chicago car accident lawyer Barrington business law firm Mount Prospect wills and trusts lawyers trauma after an accident Barrington criminal defense lawyer Fourth of July Des Plaines drug lawyer real estate Exclusions controlled substance Deer Park workers compensation lawyer Crystal Lake traffic attorney Illinois Sales Representative Act Arlington Heights lawyer Schaumburg personal injury lawyer drunk driving Palatine Attorney holiday statistics life insurance natural gas explosion Palatine injury attorney liability claims work unions Illinois workplace lawyer Palatine workers compensation lawyer Buffalo Grove probate lawyer Illinois driving without license wills and trusts Detainer Actions Palatine criminal defense lawyer Illinois traffic laws Crystal Lake employment law attorney Illinois Trust Code criminal defense comp time rent to own real estate contracts Inverness probate lawyer vacation home paid sick leave Illinois living will Chicago employment attorney Palatine civil litigation lawyer digital assets Arlington Heights car accident lawyer traffic violations defense Crystal Lake civil litigation lawyer traffic accidents Palatine insurance lawyer Illinois medical malpractice claim Crystal Lake traffic lawyer Inverness estate planning lawyer Federal Food Drug and Cosmetic Act School Visitation Rights Act clemency revenge porn modern family estate planning Illinois insurance attorney Crystal Lake pet attorney subcontractor trench injuries hiring employees criminal law Buffalo Grove criminal defense lawyer Attorney Ken Apicella Arlington Heights TBI attorney Rolling Meadows personal injury lawyer Deer Park motorcycle accident lawyer preventable medical errors insurance dispute denied insurance claims Schaumburg Attorney comparative negligence Buffalo Grove corporate attorney Joliet general practice lawyers overtime violations Palatine traffic lawyer car collision civil rights violation motorcycle accident Schaumburg employment law attorneys probate process Affordable Care Act personal injury estate tax wrongful termination compensatory time child safety DMV defective products homestead rights Rolling Meadows employment law attorneys FSLA Des Plaines tax law firm Kenilworth estate planning attorney Illinois boating accident lawyer medical malpractice claims healthcare claims vacation home fines Des Plaines real estate lawyer Deer Park traffic lawyer Barrington personal injury lawyer Deer Park DUI lawyer Illinois job attorney Buffalo Grove insurance claim dispute lawyers breathalyzer test wrongful termination, employment law, whistleblower protections, Illinois employment laws, discrimination in the workplace Rolling Meadows personal injury lawyers Illinois law Illinois employment law firm tax attorney employees CAM Food and Drug Administration's Food Safety Modernization Act Barrington criminal lawyer Illinois business lawyer Palatine civil attorney installment contracts Des Plaines civil attorney Barrington employment law firm Rolling Meadows litigation lawyer Des Plaines injury law firm Illinois Probate Act of 1975 trustee Illinois civil litigation lawyer drug possession sexual images IRS Illinois personal injury lawyer gift tax exemption, estate planning, estate planning strategies, Illinois estate planning, South Barrington estate planning attorneys civil litigation guardianship attorney Illinois insurance lawyer insurance dispute, insurance dispute lawyers, insurance claim denial, insurance claim delays, Rolling Meadows insurance dispute attorneys DUI real estate zoning insurance dispute attorney IRA benefits employee discrimination Colin Gilbert Crystal Lake criminal defense attorney surgical mistakes Long Grove real estate attorney Palatine traffic accidents Schaumburg estate planning lawyer drugs Schaumburg insurance lawyers foreclosed rental property Des Plaines real estate attorney Transfer on Death Instrument Illinois attorney expungement Barrington Traffic Lawyer Palatine probate lawyer life insurance policy Arlington Heights tax lawyer pregnant women DUI defense Illinois medical malpractice case Schaumburg insurance denial appeals slip and fall Legal Info Illinois bicycle safety Illinois medical malpractice lawyers Rolling Meadows car accident lawyers Rolling Meadows traffic attorney appealing an insurance claim murder charges institutional trustee Crystal lake insurance dispute attorney in terrorem provision llinois Real Estate Lawyers Association Schaumburg construction accident lawyer Illinois rollover accident lawyers Illinois red light cameras rollover accidents Rolling Meadows insurance dispute lawyers, insurance dispute underage DUI Chicago insurance claim attorneys Buffalo Grove law firm Arlington Heights employment attorney Rolling Meadows employment attorney crossover accidents Arlington Heights car crash attorneys premises liability medical malpractice compensation Inverness real estate lawyer construction contracts Schaumburg corporate attorney landlord Illinois real estate lawyer insurance adjusters product liability loss of consortium car accident disability benefits Schaumburg injury lawyer Des Plaines Rolling Meadows accident lawyer Crystal Lake car accident lawyer Illinois elder law attorney employment law, Illinois employment laws Illinois workers compensation attorney traffic deaths Schaumburg wrongful death attorney Illinois LLC creation estate planning trusts employee misclassification Inverness civil lawyer Chicago corporate attorney insurance claim dispute sexual harassment financial advisors Deer Park medical malpractice attorney medical malpractice, missed diagnosis, delayed diagnosis, medical mistake, Deer Creek medical malpractice lawyers Des Plaines accident attorney Illinois Human Rights Act Long Grove real estate lawyer probate claims process boating accidents insurance claim dispute attorney Rolling Meadows business lawyer Des Plaines collections attorney Illinois traffic accident lawyer employment contract, employment law, employment at-will, Deer Park employment law attorneys, contract, personal injury, auto accident injuries, delayed injuries, serious injuries, Des Plaines personal injury attorneys Rolling Meadows tax attorney Arlington Heights criminal lawyer Employment Discrimination Law life insurance claims employment law power of attorney for healthcare marijuana crimes attorney Schaumburg car accident attorney PTSD wrongful death federal regulations for LLCs personal injury claim bicycle dooring accidents Crystal Lake personal injury lawyer golf accidents Buffalo Grove personal injury lawyer trucking accidents unauthorized overtime Rolling Meadows insurance lawyer internet Do Not Resuscitate Chicago insurance law firm head on collisions fault based insurance loopholes forming a corporation in Illinois bicycle accidents Barrington attorney Illinois Workers’ Compensation Commission Deer Park personal injury lawyer Inverness elder law lawyer Barrington estate planning lawyer Inverness accident lawyer Forcible Entry construction accidents Arlington Heights wills and trusts lawyer Illinois personal injury lawyer Crystal Lake personal injury attorney Rolling Meadows traffic law firm commercial real estate Illinois personal injury attorney estate planning, death tax, succession plans, business estate plans, Barrington estate planning lawyers Rolling Meadows insurance attorney traumatic brain injury Arlington Heights injury attorney Illinois probate lawyer Barrington injury attorney Illinois tax attorney DNR Barrington employment attorney contracts Arlington Heights Traffic Lawyer Illinois personal injury lawyers Arlington Heights wills and trusts lawyers truck collisions social media after death elder abuse digital media accounts, estate planning, Arlington Heights estate planning attorney, car accident lawyers filing a medical malpractice claim medical malpractice fiduciary rule Schaumburg elder law lawyer Crystal Lake pedestrian accident lawyer caretaker rights Crystal Lake law firm denial of life insurance Schaumburg criminal law attorney Crystal Lake will lawyer Illinois traffic attorney probate involuntary manslaughter deed transfer distracted driving accident victims investment property Barrington real estate lawyer breach of contract dealing with problem employees pedestrian injuries, pedestrian fatality Crystal Lake estate planning lawyer Illinois employment laws Chicago trucking accident attorney Illinois employment lawyer Fair Labor Standards Act insurance agents Des Plaines medical malpractice attorney estate plan Illinois employment law attorneys motorcycle accident lawyer Rolling Meadows real estate attorney insurance agent negligence medical research employee rights Inverness DUI lawyer Illinois Transfer on Death Instrument power of attorney swimming pools dram shop law Rolling Meadows Attorney insurance claim denial Palatine corporate law attorneys Arlington Heights employment law attorneys severance agreements Schaumburg criminal attorney Illinois speeding lawyer living trust benefits food poisoning Illinois wrongful termination lawyer Palatine trusts lawyer Barrington workers compensation attorney texting and driving whistleblower protections Illinois trucking safety Crystal Lake business law attorneys murder defense fatal car accidents Illinois defective products attorney probate lawyer drug crimes Arlington Heights accident attorney Long Grove wills and trusts attorneys Arlington Heights trucking lawyer Liquor Control Act Chicago lawyer Illinois registered agent personal injury attorney trucking accident lawyers Des Plaines drug crimes lawyer Arlington Heights traffic attorney uninsured motorist Des Plaines claims law firm right to work drug crime Crystal Lake employment lawyer Des Plaines insurance attorney Arlington Heights estate planning attorney hands free device Buffalo Grove medical malpractice lawyers blood alcohol content preventing accidents South Barrington real estate lawyer Chicago attorney products liability living trust vs will estate planning attorney Illinois employment law attorney Illinois mortgages commercial leasing workers compensation benefits distracted driving accidents BAC DGAA Policy Cancellation Arlington Heights wills and trusts attorney independent contractor Retaliatory Discharge corporate law Rolling Meadows drug defense attorney Rolling Meadows personal injury attorney deadly crashes Crystal Lake medical malpractice attorneys IRA trust transfer suspended license commercial leases Chicago will attorney, social media platforms, Illinois estate planning lawyer, insurance denials low-ball insurance settlement insurance disputes insurance claim delay Illinois motorcycle accident lawyer defective products lawyer Long Grove estate planning Schaumburg estate attorney Schaumburg real estate lawyer Mt Prospect Attorney Schaumburg drug defense lawyer advance healthcare directive consent to a search Self-Directed IRA Accounts criminal record dynasty trusts traumatic brain injuries senior citizens car accident lawyer Schaumburg traffic lawyer Long Grove estate planning attorney insurance attorney privacy laws federal crimes Rolling Meadows insurance dispute lawyers Illinois wills and trusts ObamaCare Deer Park accident attorney liability Rolling Meadows medical malpractice lawyers Crystal Lake tax lawyer real estate closing estate planning lawyer first degree murder Inverness personal injury attorney agent Crystal Lake car accident attorney Des Plaines motorcycle accident attorney Long Grove estate planning attorneys Colin H. Gilbert Illinois traffic ticket lawyer Jay Andrew Crystal Lake bike accident lawyer capital gains tax Deer Park employment law attorney Arlington Heights real estate lawyer owner responsibility Illinois estate planning law firm Riverwoods estate planning lawyer Buffalo Grove traffic lawyers overtime pay Inverness traffic law firm Arlington Heights insurance attorney Buffalo Grove injury lawyer cell phone accidents automated cars Illinois will lawyer unpaid assessment ken apicella pizza emoji Chicago employment lawyer Illinois insurance claim attorney Crystal Lake employment attorney blended families Barrington boating accident attorney Palatine drug lawyer FMLA Illinois insurance claims lawyers trusts rumble strips Illinois collections attorney coronavirus medication errors Barrington medical malpractice lawyers pain and suffering Palatine employment lawyer living trust hit and run accident home inspection lawyer Palatine business attorney Buffalo Grove employment lawyer Des Plaines personal injury lawyer traffic tickets Mount Prospect real estate lawyer Deer Park criminal attorney Barrington estate planning attorney Rolling Meadows boating crash lawyer Home Remodeling Repair Act pet law Chicago biking tips car crash Des Plaines Traffic Lawyer dog bites Rolling Meadows probate lawyer Family Medical Leave Act Schaumburg medical malpractice lawyer Rolling Meadows corporate lawyer