Offer Review Checklist
Confirm what is included for medical costs, wage loss, future care, and pain-and-suffering components.
Check whether the offer assumes treatment is complete and whether that assumption is accurate.
Is This Offer Fair? Settlement Offer Evaluation Framework
A fair offer should reflect full documented losses and projected recovery needs. A fast offer is not always a complete offer.
Key Points
- Request written valuation breakdowns from the adjuster.
- Compare offer figures to medical, wage, and out-of-pocket records.
- Do not sign a global release before understanding future risk.
Signals an Offer May Be Too Low
Very early offers, missing line-item explanations, and pressure to sign quickly are common warning signs.
If fault is contested, ask how comparative-fault percentages were calculated.
Frequently Asked Questions
Should I always reject the first offer?
Not always, but first offers are often incomplete. Evaluate against full damages before deciding.
Can I negotiate after receiving an offer?
Yes. Evidence-based counteroffers are common and often expected.
What happens if I sign a full release too early?
You usually waive further recovery, even if symptoms or costs increase later.