What New Hampshire Insurance Companies Don’t Want You to Know About Injury Settlements

Demand Letters: Why This Step Matters More Than You Think

If you’ve been hurt in an accident, you’re probably dealing with more stress than you ever expected. Personal injury attorneys at Horn Wright, LLP, know just how overwhelming this process can be. Medical bills, missed paychecks, and endless calls from insurance adjusters—it’s enough to make anyone overwhelmed. But here’s something they don’t want you to know: a strong demand letter can change the entire game.

Why a Demand Letter Matters

A demand letter isn’t just paperwork. Personal injury attorneys often emphasize its importance because it can be the key to unlocking a fair settlement. It’s your chance to set the tone, show you mean business, and demand what’s fair. Insurance companies pay close attention to well-prepared letters, and a strong one can lead to a better starting offer.

• It lays everything out clearly – When you include medical bills, lost wages, and detailed records, it’s harder for the insurance company to deny what you’re owed.
• It puts pressure on them – A polished, professional letter makes it clear you’re serious and not willing to settle for less than you deserve.
• It keeps the process moving – The stronger your demand, the less back-and-forth you’ll have to deal with later.

Mediation in Manchester: Will It Get You Paid Faster or Waste Your Time?

Mediation sounds great in theory. Sit down, talk it out, get a fair deal—right? But does it actually work, or is it just another delay tactic?

Pros of Mediation:

• You’ll probably get paid faster – Court cases can drag on for years, while mediation often wraps up in weeks.
• It’s private – Unlike a trial, where everything is public record, mediation keeps your business confidential.
• You might get a creative deal – Mediation allows for flexible solutions, like structured payments instead of a lump sum.

Cons of Mediation:

• It’s not a guarantee – If the insurance company isn’t negotiating in good faith, mediation won’t magically change that.
• They might try to lowball you – Insurance reps are pros at pushing low offers, and without a judge or jury, they might test how little you’ll take.
• You could still end up in court – If mediation fails, you’re back to square one, only now you’ve lost time.

So, is it worth it? That depends. If the other side is willing to play fair, mediation can speed things up. If not, it might just be a waste of time.

How Insurance Companies in New Hampshire Decide Whether to Lowball You

Insurance companies aren’t in the business of handing out big checks. That’s why personal injury attorneys fight hard to make sure you don’t get shortchanged. They’re looking for any excuse to cut your settlement down. Knowing how they think can help you fight back.

How Pre-existing Conditions Affect Settlement Offers

One of their favorite tricks? Blaming your injuries on something else. If you’ve ever had a bad back, an old knee injury, or even mild whiplash, they’ll dig through your medical history looking for reasons to pay you less.

• They’ll ask for years of medical records – They’re hoping to find an old injury so they can argue your pain isn’t from the accident.
• Your doctor’s opinion can make all the difference – A strong medical report explaining how the accident made things worse can shut down their arguments.
• Gaps in treatment give them ammo – If you wait too long to see a doctor, they’ll claim you weren’t really hurt. Always get checked out ASAP.

They want to use your past against you. Don’t let them. The right medical evidence can stop them from twisting the facts.

Rejecting the First Offer: When It’s Time to Stand Your Ground

If the first settlement offer seems too good to be true, that’s because it is. Insurance companies count on you being desperate enough to take whatever they throw at you. But here’s the thing—you don’t have to.

When to Reject:

• It doesn’t cover all your costs – If the offer won’t even handle your medical bills and lost wages, it’s nowhere near enough.
• They’re ignoring your pain and suffering – Your recovery isn’t just about money. Emotional distress, chronic pain, and lifestyle changes matter, too.
• You’ve got proof you deserve more – If you’ve got solid medical records, witness statements, and expert opinions backing you up, don’t settle for less.

Insurance companies expect you to push back. And when you do, you’ll usually end up with a better offer.

What If Negotiations Go Nowhere? What Happens When Settlement Talks Fail

Sometimes, no matter how strong your case is, the insurance company won’t budge. When that happens, you’ve got one last card to play—taking them to court.

The Impact of Going to Trial

Going to trial is a big decision. It takes time, money, and patience. But it can also mean a much bigger payout.

• Juries often award higher settlements – If the insurance company lowballed you, a jury might see things differently and award what you actually deserve.
• It’s a gamble – Trials come with risks. You could win big, but you could also walk away with nothing. It’s important to weigh your options carefully.
• Everything becomes public – Unlike mediation, court cases are public record. That could be a factor if privacy matters to you.

Taking your case to trial isn’t for everyone. But if you want to maximize your chances of winning, you should consider working with experienced legal professionals. You can hire one of the best law firms in America to fight for the compensation you deserve.

Horn Wright, LLP, has the experience and dedication to take on tough insurance companies and win. That’s why personal injury attorneys can help you decide if it’s the right move. But when an insurance company refuses to play fair, it’s sometimes the only way to get real justice.