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Should I Accept The First Offer From My Insurance Company For Car Accidents?

Why Consult Top Rated Personal Injury Attorneys In Los Angeles Before Agreeing To An Insurance Payout Offer

You can get compensation straight from insurance companies without the help of a Personal Injury Lawyer in California. However, there's a reason why you're often advised to get one anyway, and it has a lot to do with how insurance companies decide on payouts.

So, let's talk about insurance, companies, first offers, and what the top personal Injury Lawyers in California can do for you.

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Should I Settle With The Insurance Company?

The first thing you need to understand is that insurance companies are running a business. Therefore, it is in their best interest to give you the lowest possible payout for your injuries.

This means that they often engage in underhanded tactics to reduce the compensation you'll get for your injuries. They might try:

  • Trivializing your injuries to reduce your total damages

  • Not consider future losses like lost income capacity, future medical and recovery expenses, etc.

  • Disregard pain and suffering

  • Reduce non-economic damages like emotional distress, psychological trauma, etc.

That said, car accidents are expensive. You need compensation for your medical bills, medication, rehab fees, lost income, and other losses incurred due to someone else's negligence. The goal of insurance is to make sure you can get back to a state before you've gotten into an accident, which means calculating all the invoices and out-of-pocket expenses you incur.

top personal injury lawyers in california

In addition, grave physical injuries, property damage, or emotional distress often get miscalculated (willfully or accidentally), ultimately affecting the compensation you might get from them.

To ensure you don't leave a stone unturned, consult with a California Attorney for Personal Injury. A lawyer will represent you in the negotiations, so you don't have to fall for law-balled first offers.

Do Insurance Companies Pay Pain And Suffering?

Pain and suffering are considered non-economic damages. These often refer to the emotional distress and difficulties an individual experiences after getting injured in a car accident.

For example, even after paying off hospital bills, individuals might feel immeasurable pain while trying to recover. This pain and suffering can affect them emotionally, impacting themselves, their families, the people around them, and their job.

That said, you can negotiate for pain and suffering with insurance companies. However, pain and suffering aren't compensations they offer you outright, which is why it's crucial that you don't immediately accept their first offer.

Additionally, it's challenging to get an insurance company to give you pain and suffering damages in the first place. This is because pain and suffering are so hard to quantify, and you often need a solid set of evidence and reasoning for requesting them.
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Considering how complex the compensation process is, a Los Angeles Car Accident Lawyer might be able to help you do the following essential steps:

  • Represent Your Interests In Negotiations. Let your Los Angeles Car Accident Lawyer speak and negotiate with the insurance company so that you don't accidentally accept low-balled and unfair offers.

  • Collect Evidence And Conduct Investigations. When asking for better compensation, you need to collect as much proof as possible to build a solid case. Top rated personal injury attorneys in Los Angeles will conduct their own investigations to strengthen their client's case. They can also find experts and other witnesses to prove trickier non-economic and future damages.

  • Discuss Options And Strategies With You. Your lawyer can find alternative routes to get you the best results. You don't have to sue, even—most attorneys can handle negotiations so well that insurance companies settle before things get taken to court. is a California Bar Association Certified agency for Lawyer Referral Services. We can refer you to a prescreened personal injury attorney that's fit to handle your unique case.

You may contact us via our 24/7 live chat (or fulfill our case submission form) for a free initial consultation.


Best Lawyers Near Los Angeles

California State Bar Certified Lawyer Referral And Information Service

Welcome to, a Lawyer Referral and Information Service certified and approved by the California State Bar.

"Our commitment is to provide you with unbiased and impartial lawyer referrals."


Unlike other services, we maintain complete independence from the lawyers receiving these referrals, ensuring transparency and fairness.

While we specialize in California employment law and personal injury claims, we offer our referral services for various other legal areas.


At, we aim to ensure you are connected with best California attorney near you who can provide comprehensive and exceptional representation for your specific legal needs.


We understand that every legal situation is unique and are dedicated to finding the best match for you.


With our extensive network of attorneys, we strive to deliver outstanding legal support and guidance tailored to your individual requirements.

At, we hold California attorneys to the highest standards of professional conduct.


Your satisfaction and confidence in the legal representation you receive are paramount to us.


Rest assured that when you engage in our services, you can expect nothing less than exceptional legal support and guidance.

Why Lawyer Referrals Matter


The California State Bar investigates on average 16,000 complaints of professional misconduct by attorneys annually.

We conduct due diligence by researching and recommending the best local attorney for your case. 


Our team of experts verifies that attorneys are in good standing and have the required experience in the type of law related to your legal issue. 

Learn more about attorney discipline here.


Our History 


Since 2005, we have been dedicated to helping individuals find reliable legal representation in California.


We understand the challenges people face when trying to locate reputable lawyers, especially when inundated with self-promoting advertisements and biased marketing from law firms.


At our service, we strive to cut through the noise and provide a trustworthy and unbiased platform for connecting individuals with reputable California lawyers.


Our clients receive quality legal representation without the frustration and uncertainty often associated with legal advertising.

How the LRS Works 

Anyone seeking competent and honest legal representation in California, can request a FREE lawyer referral. 

Once you submit your case details online, our legal 24-hour legal department will review your claim and reply via email. Most cases are reviewed and answered within 15 minutes. 


A free 30 minute consultation with the attorney will be offered to each referred client. 

A representative will follow up a few days later via email with the client after receiving a referral for quality management purposes, or to obtain the status of the case. 

About lawyers from our network

California lawyers in our network are insured, in good standing with the California State Bar, and have substantial experience in their practice area.


Attorneys are available in most areas of law throughout Southern California. Every lawyer in or network has been vetted for:

  • Credentials

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  • Performance

  • Client reviews

  • Fair legal fees

  • Continuing education

  • Professional affiliations

Additionally, we conduct criminal  background checks and attorneys are always monitored by our service.  

How to find the best lawyer for your legal case: 

1. The fastest way to have your legal issue reviewed by one of our attorneys is to send your details online.


Your information will go directly to our 24 hour legal department bypassing our call center. You will get a reply via email within 15 minutes. 

2. You may also inquire about your legal issue via email. We respond to email inquiries within 24 hours M-F. 

3. By calling our lawyer referral hotline 661-310-7999. However, our agents are not attorneys and cannot provide legal advice. Due to high call volumes, it's highly recommended that you use option # 1 above. 


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