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How a Personal Injury Lawyer Improves Upon Your Insurance Company’s Initial Offer

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If you are injured in an auto accident or a slip and fall, the first step is usually to file a claim with the appropriate insurance company. After an auto accident, New Jersey’s Personal Injury Protection law may require you to file with your own insurance company; in the case of a slip and fall, you would file with the property owner’s insurer. However, in either case, filing puts you in an adversarial relationship with the insurance company.

You may not notice this at first, especially with your own insurer, whose premiums you’ve been faithfully paying. But in short order, you’ll understand that your goal of getting fair compensation for your injuries does not match the insurance company’s goal of protecting its bottom line. Here are some of the clues:

  • A low settlement offer — To get away with paying you less than your injury is worth, the insurance company must reset your expectations. They do that with a lowball offer that must be the product of a deep misunderstanding or perhaps is meant for some other case.
  • Demand for further documentation — The next step is to intimidate you by implying that you haven’t fully cooperated or you don’t have sufficient evidence to justify your claim. Often the demand for “further documentation” is simply a demand to resend documents you already submitted. This tactic reinforces the idea that they are big and vast, so tiny details like your case can get lost easily. You, on the other hand, are just one of many insureds, so it’s no big deal to inconvenience you with burdensome requests for paperwork.
  • Unreasonable delays — After you’ve complied, you can expect your insurance adjuster to disappear. Your calls don’t get returned. Your case is referred to someone who’s never heard of you, so you just have to be patient while this new, well-meaning person gets caught up on your claim. The delays and misdirections are meant to seem accidental, but they are deliberate tactics meant to discourage you and make you more willing to accept less than your claim deserves.
  • Repeat — After all the confusion which the insurance company is “very sorry” for, you get your next lowball offer, followed by demands for further documentation and lengthy delays.

The insurance company would like you to believe this is just how things work, and to a certain extent that’s true. This is how the process works for claimants who are not represented by an attorney. The insurance company plays games, because they think they can get away with it, because you don’t have enough experience with these types of claims to recognize what they’re doing.

But when you retain a personal injury attorney early in the process, insurers suspend much of their gamesmanship. They know the cheap tactics won’t make things cheaper for them, so they move onto their next goal: closing the case quickly. So, your initial settlement offer will be changed to more closely reflect reality. From there, with the help of your attorney, candid negotiations can begin and your case can move forward.

If you’ve been injured in an accident in Bergen County or anywhere in New Jersey, Seigel Law is ready to help. Contact us online or call 201.444.4000 today for a free consultation and case evaluation.

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Meet Our Attorneys

  • (95 Reviews)

    By Teresa R Perez - January, 2018

    I have had a great experience thus far. The personal injury process is stressful and they have been helpful and courteous in getting me the right referrals. I was injured while visiting NJ and live in another state, my case is not an easy one but they are working diligently to help. I appreciate the personalized attention and highly recommend this firm.

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  • (95 Reviews)

    By Miriam Smith-Leone - December, 2017

    The law office was great with my back and neck injury. They directed me to the right doctors and got me a huge settlement. Being a single mom, it help pay off all my debt and bills. Me and my kids can have a bill free christmas, with plenty of food and happiness, stress free. They are the best ever and I would highly recommend them to anyone rich or poor, who has been in an accident and need legal help...

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  • (95 Reviews)

    By L C - October, 2017

    After the misfortune of suffering an injury, I had the good fortune to choose Seigel Law to represent me. During my initial meeting with Jan Seigel, I found him to be extremely confident and reassuring---he totally put me at ease. I was represented by Mark Mc Bratney---an EXCELLENT attorney. He was supportive and professional through the entire process, and provided an excellent outcome for my case.

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  • (95 Reviews)

    By Liliana Paredes - October, 2017

    Honest, trustworthy and very straight forward. In unvarnished truth Jonas Siegel will tell you exactly where you stand and what direction you should go. Jonas has tenacity coupled with a degree of tenderness, but never losing site of the end goal, which is to protect, defend and have the best outcome for his clients. I defenetly recoment this law firm. Thanks for helping me out in my case.

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  • (95 Reviews)

    By Oren Goldshmidt - September, 2017

    I'd like to thank everyone at segal law for the amazing experience they provided me. From the moment I stepped in to the end of the case , segal and his team delivered exactly what they promised. I couldn't have received any better treatment from a law firm. Any concerns, questions or problems I had were addressed and dealt with accordingly...

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What we offer our clients


Personal injury and medical knowledge

Our knowledgeable team of personal injury lawyers includes a medical doctor who advises on complex medical topics


One-on-one attorney attention

By maintaining a limited number of cases, our attorneys can provide personalized attention to each client we serve


Results-oriented strategies

Our lawyers have won numerous high verdicts and settlements, many in the high six- and seven-figure range, for our injured clients


Trial experience

Every trial attorney in our firm is a certified trial attorney by the New Jersey Supreme Court


Communication as a priority

We understand how important communication is to a successful attorney-client relationship, we return calls within 24 hours


Community involvement

Our lawyers and staff are active in community outreach and community service programs

  • "The lawyers at Seigel Law know how to get you the results you want. Jan Seigel and His team returned every one of my phone calls, listened to me and worked with me to a desirable outcome. Seigel Law definitely goes above and beyond to protect the injured." - B.M.

  • "After my car accident, my life turned into a disaster. Dealing with everything became impossible. Jan Seigel and his people helped me with every aspect of my injuries and the insurance companies so I could focus on healing. They helped me through everything and they got me what I was due." - M.P.

  • "I found the personnel to be very efficient, and work very quickly. I'm happy that I was referred to this firm, because I found that I was very comfortable working with them." - F.V.

  • "Amazing. I have to say they were very supportive and were able to give me tons of information. I didn't feel rushed and felt they truly cared about my well-being. Their website is also extremely helpful and well setup." - T.D.

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