Why You Shouldn’t Trust the First Offer After a Car Accident in Gilbert
If the insurance company makes a quick offer, it’s probably because they’re hoping you don’t know better.
You’ve just been in a car accident in Gilbert, Arizona. Maybe your car is totaled. Maybe you’re in pain. The last thing you want is a drawn-out legal process—so when the insurance adjuster calls with a “reasonable” settlement offer, it feels like a relief.
But here’s the truth: that first offer is almost never in your best interest. At McHone Law, we’ve helped countless car accident victims in Gilbert and throughout the East Valley recover far more than what the insurance company initially offered. Before you accept anything, read this.
Why Is the First Offer Always So Low?
Insurance companies aren’t in business to pay out fair settlements—they’re in business to maximize profit. Their adjusters are trained to:
- Minimize your injuries
- Question your need for treatment
- Downplay your losses
- Rush you into a quick decision before you know your full damages
They know you’re vulnerable—and they use that to protect their bottom line.
Here’s What the First Offer Usually Doesn’t Include
We regularly see first offers that completely ignore:
- Future medical expenses for ongoing care
- The full cost of pain and suffering
- Lost income and reduced future earnings
- The impact of long-term or permanent injuries
- Non-economic damages like emotional distress or lifestyle disruption
In short, they offer you what’s easiest to calculate, not what you actually need to recover.
How We Help Clients in Gilbert Fight for the Compensation They Deserve
If you’ve been injured in a car accident anywhere in Gilbert—from Loop 202 and Val Vista to SanTan Village and Power Road—McHone Law is ready to help. We:
- Conduct a full case evaluation before any negotiation begins
- Work with doctors and specialists to project future care costs
- Negotiate directly with insurers using hard evidence
- Prepare every case like it’s going to trial—because that’s what gets results
We’ve recovered millions in compensation for clients who were initially offered far less—and in many cases, after other lawyers gave up.
What Should You Do If You’ve Already Received an Offer?
- Do not sign anything until you’ve spoken with an attorney
- Don’t give a recorded statement—it can be used against you later
- Document everything, including your treatment and time missed from work
- Contact a local Gilbert car accident lawyer who knows how to push back
Get a Free Review of Your Gilbert Car Accident Claim
Don’t settle for less just because someone says you should. At McHone Law, we fight for full and fair compensation—and we’re not afraid to go to court to get it.
📞 Call (480) 737-7391 or fill out our online form for a free consultation. No fees unless we win.









