Receiving a settlement offer from an insurance company after a car accident can feel like a step forward—but if that offer is too low to cover your medical bills, lost wages, and future needs, it’s important to push back. Many people don’t realize they can submit a counteroffer that better reflects the impact of the accident on their life.

Insurance adjusters are trained to attempt to settle claims quickly and at minimal cost to the company. That often means the first offer is far from adequate. Responding with a strong, well-documented counteroffer can help you negotiate a settlement that’s fair and based on real-world evidence.

Learn how to write a persuasive counteroffer letter, what kind of documentation you’ll need to include, and how laws influence the process in the following article.

Why the First Insurance Offer Is Rarely Enough

When an insurance company makes an initial offer, it’s typically based on formulas or software that undervalue personal experiences. Adjusters might overlook pain and suffering, underestimate the cost of long-term care, or ignore how your injuries affect your ability to work.

Their goal? Settle quickly and save money. That’s why it’s so important to take your time, review everything carefully, and be prepared to speak up with facts and documentation.

How to Write a Counteroffer to Your Insurance Company That Gets Noticed

1. Review the Offer Carefully

Don’t rush to respond. Read the letter, look at what’s being offered, and make note of any gaps. Are certain expenses missing? Is your injury downplayed?

2. Add Up Your Actual Losses

Before you can counter, you need to know your own number. Gather records and calculate:

• All medical bills, past and future
• Lost wages and missed work
• Repairs or replacement costs for your vehicle
• Pain, discomfort, and changes in lifestyle

This gives you a foundation to argue for a better settlement.

3. Draft Your Letter

Your letter should be polite, focused, and built around facts. Include:

• The claim number and date of the accident
• A summary of the initial offer
• Why it falls short
• A full breakdown of your damages
• The revised amount you’re requesting

Use clear language. You don’t need legal jargon—just a confident explanation backed by evidence.

4. Attach Proof

Supporting documents can make or break your case. Include:

• Doctor’s notes and hospital bills
• Photos of your injuries or damaged vehicle
• Letters from your employer about missed work
• Receipts for medication or medical devices

These materials strengthen your argument and show you’ve done your homework.

5. Send It the Right Way

Mail your counteroffer via certified mail with tracking. This creates a paper trail and confirms when the insurance company receives it. Keep a copy for your records.

When to Get a Lawyer Involved in Your Insurance Claim

If your injuries are long-term or you’re having trouble getting a fair response, it might be time to call an attorney. Legal support can:

• Help value your claim accurately
• Handle communication with the insurance company
• Prepare your case for litigation, if needed

An attorney also knows how to recognize red flags and delay tactics—and how to push back effectively.

Call Brandon J. Broderick For Legal Help

You don’t have to go up against an insurance company alone. At Brandon J. Broderick, Attorney at Law, we help injured individuals write strong counteroffers and fight for the compensation they’re entitled to.

If you’ve received a lowball offer, let our team review it and guide you through the response process. We’ll make sure your voice is heard—and your recovery is protected.

Contact us today for a free consultation.