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


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