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Settlement Negotiation Strategy: Why First Offers Are Lowballs

2 min read

Settlement Negotiation Strategy: Why First Offers Are Lowballs

Insurance carriers anchor low and negotiate up. Knowing the pattern helps claimants hold out for fair value.

Insurance carriers train adjusters to make first offers far below case value, betting that financially strained claimants will accept just to get a check.

First offers commonly run 25% to 50% of what carriers ultimately pay. Negotiating up requires patience, documentation, and the financial ability to wait.

Pre-settlement funding gives claimants the financial breathing room to reject first offers and negotiate properly. Claimants who can afford to wait recover significantly more on average.

Your attorney is trained to negotiate against these tactics. The single biggest thing you can do is not undercut them by pressuring for a quick settlement out of financial desperation.

AARC funds the wait so you don't have to settle cheap. No credit check, no monthly payments.

Call (800) 297-3834 or apply online to take settlement pressure off.

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