Why is the first offer always low?
It's a rational strategy, not a personal one.
The information gap. Early in a claim the insurer knows the policy limits, has handled thousands of similar claims, and has data on what comparable injuries settle for. You know none of that.
The timing gap. Offers come when you're anxious, possibly out of work, and facing bills. That's when a number in hand is most persuasive.
The acceptance rate. Enough people take early offers that making them is worthwhile even when most are rejected.
What moves an offer: completed treatment with documented findings, a permanency opinion, quantified wage loss, and evidence that the claim is being prepared seriously.
What doesn't move it: frustration, arguments about fairness, or repeating that you're really hurt.
Offers commonly increase substantially between the first and last, and the difference generally reflects what got documented in between.
The first number reflects what they know and you don't. Change that first. ---
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