Pearland, TX asked in Insurance Bad Faith and Insurance Defense for Texas

Q: An auto insurance company doesn't want to counteroffer until I come down more from my original counter. what should I do

Just received a letter from the insurance company saying:

""We have minimum limit policies 30/60 and unless the counters are more reasonable for me to extend another offer I could be bidding against myself. You can call me and we can discuss the claims and if a more reasonable counter is made I can give top offers but with the counters that has been made, they are over the policy limits""

In your professional opinion, do you think they are offering us the policy limit? how would you respond to this?

FYI, there were 2 people in the car accident. and all evidence ( especially dashcam video) show insured was at fault running a red light. and T-boned us. car was totaled.

Any input is much appreciated

1 Lawyer Answer
Tim Akpinar
Tim Akpinar
  • Insurance Claims Lawyer
  • Little Neck, NY

A: Based on the facts at hand, it isn't mentioned what their offer is. If you consult with a Texas injury attorney for their opinion on the insurance company's offer, they are going to want to know more about the medicals. Based on the description here, the other vehicle ran a red light and your vehicle was totaled. But the other important element here will be the extent of injuries. Hopefully everyone in your vehicle is okay. But to discuss the case more meaningfully, a Texas attorney will have questions for you about the medical records.

Tim Akpinar

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