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Why You Should Never Accept the First Insurance Offer After a Crash
Why You Should Never Accept the First Insurance Offer After a Car Accident in Iowa or Nebraska
If you’ve recently been involved in a car accident in Iowa or Nebraska, chances are high that you’ve already heard from the at-fault driver’s insurance company. Often, this first call includes a friendly tone and a quick settlement offer. While it might be tempting to accept—especially when you’re dealing with medical bills, car repairs, and missed work—doing so could cost you thousands in lost compensation.
At Fitch & Stahle Law Firm, we’ve represented countless injury victims across Iowa and Nebraska who were offered lowball settlements that didn’t even begin to cover their losses. In this blog, we explain why accepting the first offer is rarely in your best interest—and how having a trusted attorney on your side can make a major difference.
1. Insurance Companies Aren’t on Your Side
Despite their commercials, insurance companies are for-profit businesses. Their primary goal is to protect their bottom line—not to ensure you’re made whole after a crash. One of the ways they reduce payouts is by making early settlement offers that seem generous but fail to account for long-term damages.
These offers are designed to:
- Get you to settle before you fully understand your injuries.
- Prevent you from hiring an attorney.
- Limit future liability by having you sign away your right to sue.
In both Iowa and Nebraska, once you accept a settlement and sign a release, your case is closed—even if your medical condition worsens later. That’s why speaking with a personal injury attorney before signing anything is so important.
2. You May Not Know the Full Extent of Your Injuries
Car accident injuries often take time to fully reveal themselves. Conditions like concussions, whiplash, back injuries, or internal damage may not cause noticeable symptoms for days or even weeks. Additionally, some injuries require long-term care, physical therapy, or surgery.
The first insurance offer typically only covers:
- Emergency room visits
- Basic vehicle repairs
- Minimal lost wages
It often does not cover:
- Ongoing treatment
- Pain and suffering
- Loss of future earnings
- Emotional distress
If you accept a quick settlement without understanding your full diagnosis and prognosis, you may end up paying for future care out of your own pocket.
3. A Low Settlement Could Leave You in Debt
Let’s say you accept an insurance offer of $7,500 shortly after the crash, only to later discover you need months of treatment and can’t return to work. Those medical bills and lost wages could easily exceed $50,000. But if you’ve already signed a release, there’s no going back.
Many victims in Iowa and Nebraska mistakenly believe they can renegotiate later or reopen the case. Unfortunately, that’s almost never true. Once you sign a settlement agreement, you’re legally barred from seeking further compensation.
4. You Deserve Compensation for More Than Just Bills
The law in both Iowa and Nebraska allows injury victims to seek compensation for a wide range of damages, not just the ones that show up on a receipt. A skilled attorney will evaluate the full impact the accident had on your life and fight for compensation in areas such as:
- Pain and suffering – the physical discomfort and emotional trauma you’ve endured
- Loss of enjoyment of life – if you can’t participate in hobbies or daily activities
- Future medical expenses – including surgeries, medication, therapy, and equipment
- Lost earning capacity – if your injuries affect your ability to work in the future
An early settlement rarely accounts for these factors. Insurance companies know this—and count on you not having legal counsel to help you push back.
5. Legal Representation Levels the Playing Field
Studies consistently show that accident victims who hire a personal injury attorney receive significantly higher settlements than those who don’t. At Fitch & Stahle, we’re experienced negotiators who understand how insurers operate. We’ll:
- Collect evidence to support your claim
- Handle all communication with insurance adjusters
- Work with medical professionals to assess your injuries
- Build a compelling case for full compensation
- Take your case to court if necessary
We serve clients across both Iowa and Nebraska, including South Sioux City, Sioux City, Omaha, and beyond. Our local expertise and personal approach set us apart—and we don’t get paid unless we win.
6. You’re Not Required to Accept Anything Right Away
Many victims feel pressured to respond quickly or are told they only have a short window to accept the offer. This is a tactic. The truth is: you are under no obligation to accept the first offer—or any offer—without fully reviewing it and understanding your rights.
In fact, taking the time to:
- Speak to a personal injury attorney
- Complete all necessary medical treatment
- Review long-term costs and losses
...can help you pursue a much more substantial settlement.
7. There Are Time Limits—But You Still Have Options
Both Iowa and Nebraska have statutes of limitations for filing a personal injury lawsuit—generally two years from the date of the accident. That means you do have time to properly assess your case, speak with a lawyer, and negotiate from a position of strength.
Even if you’ve already received an offer, it’s not too late to consult with an attorney before accepting it. Doing so could protect your financial future.
Final Thoughts: Don’t Settle for Less Than You Deserve
After a car accident, the stress can be overwhelming. You may be in pain, missing work, and trying to juggle insurance calls. A quick payout might seem like a relief—but it’s often a trap.
Let the experienced attorneys at Fitch & Stahle Law Firm evaluate your case and fight for what you truly deserve. We’ve helped injured clients throughout Iowa and Nebraska secure fair settlements that reflect the full scope of their injuries and losses.
