Denlea & Carton


March 12, 2024

Should I Settle with an Insurance Company?

What to Know Before You Settle Your Claim

If you are injured in an accident, you may be offered a settlement within a few weeks. The settlement offer, however, may not cover all of your losses. Before you accept a settlement from the insurance company or make any statements, you should speak with an attorney to determine whether you are receiving a full and fair payout.

At Denlea & Carton, LLP, we provide dedicated representation for individuals who have been injured as a result of someone else’s negligence. Our lawyers will work to make sure you do not settle for less than your case is worth. Contact our office today at (914) 368-7168 to schedule a free, no-obligation case consultation. 

4 things to consider before you accept a settlement offer from the insurance company:

1.The Full Extent of Your Injuries

Early settlement offers rarely take into account the full extent of your injuries. In many cases, you may still be in treatment as you recover from the accident. Until you know what your care plan will entail, it may be difficult to place a value on your claim.

Insurance companies are notorious for giving low settlement offers that do not fully compensate injured parties for their harm. These early offers usually do not account for things like your future medical bills. It is important to get an accurate diagnosis of your injuries and to start treatment as recommended by a medical professional.

2.Who or What Caused the Accident

Before you accept a settlement, you should have a full understanding of who or what caused the accident. Settlements are generally based on liability. Insurance companies may try to place you partially at fault for the accident. If you are found to have shared responsibility for the incidentincide, your settlement will be reduced. 

Prior to signing anything or making a statement, you should consult with an attorney. An attorney can help investigate your claim to determine who should be held liable for your injuries. You should not accept responsibility without first discussing your case with a lawyer. 

3.If You Understand Your Rights

You should not accept a settlement offer from the insurance company unless you fully understand your rights. By accepting a settlement, you may be giving up your right to pursue further compensation. Making any statements, agreements, or other arrangements about your case could mean that you end up settling for less than your case is worth. Before accepting a settlement, discuss your legal options with an attorney to ensure you do not give up any of your rights.

4.Whether You Have Legal Representation

Unrepresented injury victims frequently end up settling for less than individuals who have retained an attorney. A lawyer can help advocate on your behalf and will work to ensure you receive the compensation you deserve. 

Contact Our Office to Schedule a Free Consultation

If you have been injured in an accident, contact our office to schedule a free case evaluation. We will help determine what a fair and full settlement would be in your case. Do not accept a settlement offer or make any statements without first speaking with an attorney. Call our office today at (914) 368-7168 to get started.


James R. Denlea

Jeffrey I. Carton

Robert J. Berg

Lindsey Leibowitz

Amber Wallace

John Leifert

Craig Cepler

Steven Schoenfeld

Stan Sharovskiy

Phil Smith

Martin McCann

Catherine Friesen

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