You’ve just been in a car crash. You’re shaken, maybe sore, and definitely overwhelmed. Then—like clockwork—the insurance company calls. They’re offering you a check, fast. It might even seem generous at first glance. But here’s the big question: Should you take the first offer from the insurer?
In many cases, saying yes too soon could be a $50,000 mistake—or more.
Let’s break down why that first offer might not be in your best interest, how Maryland car crash victims can protect themselves, and what steps you should take before you sign anything.
Why the First Offer Is Rarely the Best Offer
Insurance companies are businesses. Their goal is to pay out as little as possible while settling claims quickly. That’s why the first offer you receive after a car crash is usually far below what your case is actually worth.
Here’s why that happens:
1. They’re Hoping You’re Desperate
Right after an accident, you might be facing medical bills, car repairs, and lost wages. Insurers know that. They also know you’re vulnerable—and they may use that to pressure you into accepting a lowball settlement.
2. They Want to Close the Case Fast
If you sign the release and accept payment, your claim is over. Even if you discover new injuries later, you can’t go back and ask for more money. That’s why insurers want you to sign quickly—before you know the full cost of your injuries.
3. They Don’t Expect You to Know What Your Claim Is Worth
Most people don’t have experience valuing injury claims. You might not realize your neck pain could lead to months of physical therapy—or that the effects of a concussion might linger for years. Without a legal advocate, it’s easy to underestimate the value of your case.
Real Costs That Go Beyond the First Check
It’s easy to assume a few thousand dollars will cover the damage. But serious car crashes often come with hidden and long-term expenses. Here’s what that initial settlement might overlook:
- Future medical treatment (surgeries, rehab, follow-up care)
- Ongoing pain and suffering
- Lost future wages or reduced earning capacity
- Emotional distress or PTSD
- Loss of enjoyment of life
- Transportation costs for medical appointments
Even minor injuries can lead to years of medical expenses—and if you’ve already cashed the check, you could be stuck paying for them out of pocket.
Maryland Law and Personal Injury Claims
Maryland follows a contributory negligence rule, which means if you’re found even 1% at fault for the crash, you may be barred from recovering any damages. Because of that strict rule, insurance companies are quick to blame you—even unfairly—to avoid paying.
They may also try to argue that your injuries aren’t that serious or that they were caused by something other than the crash. That’s why it’s so important to have a skilled personal injury lawyer in your corner before you agree to anything.
What to Do If You’ve Been Offered a Settlement
If you’ve been offered a settlement after a car crash, pause before signing. Take these steps to protect yourself:
1. Don’t Sign Anything Right Away
No matter how polite or convincing the insurance adjuster sounds, you’re under no obligation to accept the first offer—or even respond immediately.
2. Document Everything
Keep copies of medical records, repair bills, time missed from work, and any communication with the insurance company. The more documentation you have, the stronger your case becomes.
3. Get a Medical Evaluation
Even if you feel “okay,” it’s smart to have a doctor evaluate you. Some injuries—like whiplash, brain trauma, or internal bleeding—can take days or weeks to appear.
4. Talk to a Personal Injury Lawyer
A personal injury lawyer can review the offer, assess the real value of your claim, and negotiate on your behalf. In many cases, injury victims receive significantly higher settlements with legal representation.
Consider This Example
Let’s say you’re in a car crash on I-695 near Baltimore. You go to urgent care and are diagnosed with a back strain. The insurer offers $6,000 to settle—quick money, no fuss.
But a month later, you’re still in pain. Now you need physical therapy, maybe even surgery. You’ve also missed several weeks of work. The real cost of your accident? Over $50,000.
If you signed that first offer, you’re out of options. But if you waited and spoke with a personal injury attorney, you could have built a case that truly covered your losses.
Similar Post: 7 Common Mistakes to Avoid After a Car Accident in Maryland
Why Time Matters—But So Does Strategy
Maryland has a three-year statute of limitations for most personal injury claims. That means you have time to seek the full compensation you need—but you need to act strategically.
The longer you wait to seek treatment or legal advice, the easier it is for the insurer to argue that your injuries aren’t serious or related to the accident. Acting early doesn’t mean rushing into a settlement. It means gathering evidence, getting treatment, and planning your next move with care.
FAQs About Insurance Settlements After a Car Crash
Can I still negotiate after rejecting the first offer?
Yes! In fact, negotiation is a normal part of the claims process. A skilled attorney can help you counter with a demand that reflects the full scope of your losses.
What happens if I already signed the release?
Unfortunately, once you sign a settlement release, your claim is typically closed. That’s why it's so important to talk to a lawyer before signing anything.
How much does a car crash attorney cost?
Most personal injury lawyers work on a contingency fee basis—which means you don’t pay unless they recover compensation for you.
What if the insurance company says this is their best and final offer?
That’s a common tactic. Don’t fall for it. In many cases, they’re leaving significant money on the table. Let a personal injury lawyer review the offer first.
Similar Post: Navigating a Car Accident Claim in Maryland: How to Maximize Your Compensation
Protect Your Rights and Your Future After a Car Accident — Call the Personal Injury Lawyers From Maronick Law
It’s tempting to take the first check after a car crash, especially when bills are piling up and you just want to move on. But signing too quickly can leave you with lifelong expenses and no legal recourse.
At Maronick Law, we’ve helped car crash victims across Maryland stand up to insurance companies and fight for what they truly need. We understand the pressure you're under—and we’re here to guide you every step of the way.
Before you sign anything, talk to us. One conversation could save you tens of thousands of dollars.
Contact Maronick Law today at 443-351-6657 to schedule your free, no-obligation case evaluation. Let us help you make the right move after your car crash—because your future is worth more than a quick settlement. We represent clients throughout Maryland, including Baltimore, Rockville, Flower Hill, Greenbelt, and College Park.
Disclaimer: This blog is intended for informational purposes only and does not establish an attorney-client relationship. It should not be considered as legal advice. For personalized legal assistance, please consult our team directly.