After an accident, medical bills and lost income can make an early settlement offer seem
appealing. However, the first offer is often a negotiating strategy—not a full evaluation of
your claim.
Early Offers Rarely Reflect the Full Value of Your Case
Insurance companies frequently make settlement offers before medical treatment is complete and
before the long-term effects of an injury are fully known. Once you sign a settlement release, your claim is generally over—even if your condition later worsens.
Adjusters Are Trained to Protect the Insurance Company
Insurance adjusters work for the insurer—not for you. They may rely on:
- Recorded statements
- Medical record reviews
- Pre-existing condition arguments
- Gaps in treatment
- Claim evaluation software
- Broad medical authorizations
Even casual comments made after the accident can later be used to challenge liability or
minimize your injuries.
Maryland’s Contributory Negligence Rule Makes Every Detail
Important
Maryland follows the doctrine of contributory negligence, meaning that even a small
percentage of fault may bar recovery. Insurance companies know this and often look for
evidence that shifts blame to the injured person.
Strong documentation—including photographs, witness statements, police reports, and accurate
medical records—can make a significant difference.
Know the Full Value of Your Claim Before You Settle
Before accepting any settlement, consider:
- Current and future medical treatment
- Lost wages and reduced earning capacity
- Pain and suffering
- Permanent impairment
- Medical liens and reimbursement claims
- Available insurance coverage
Key Takeaways:
- The first settlement offer is often just the beginning of negotiations.
- Do not settle before the full extent of your injuries is known.
- Recorded statements and incomplete medical records can weaken your claim.
- Maryland’s contributory negligence law makes careful evidence preservation
essential. - An experienced attorney can help maximize your recovery and protect your legal
rights
Injured in an Accident?
Law Offices of Chris Aguocha LLC is committed to helping accident victims recover the
compensation they deserve.
Office: 301-322-1304
Cell: 240-470-4364
Email: chris@aguochalawyer.com
Disclaimer: This article is provided for general informational purposes only and does not
constitute legal advice. Reading this article does not create an attorney-client relationship. Every
personal injury claim is unique, and you should consult an attorney regarding your specific legal
circumstances.
