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


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