30 de junio de 2026
After a car accident, most people expect the insurance company to fairly evaluate the damage to their vehicle and injuries. Unfortunately, that doesn’t always happen. Insurance companies sometimes issue estimates that undervalue repairs, minimize injuries, or overlook important expenses in an effort to reduce what they have to pay.
If you receive an estimate that seems unusually low or doesn’t reflect the true cost of your losses, you may be dealing with a bad-faith insurance estimate. Understanding your rights and knowing how to respond can help protect your financial recovery.
What Is a Bad-Faith Insurance Estimate?
Insurance companies have a legal duty to investigate claims fairly and honestly. A bad-faith estimate occurs when an insurer intentionally undervalues or misrepresents your claim rather than conducting a fair evaluation.
Common warning signs include:
- Repair estimates that leave out obvious vehicle damage.
- Refusal to consider estimates from qualified repair facilities.
- Ignoring medical records or physician recommendations.
- Failing to include rental car costs, diminished vehicle value, or other covered losses.
- Delaying the claims process without a valid reason.
- Pressuring you to accept a quick settlement before the full extent of your damages is known.
While mistakes can happen, a pattern of minimizing or delaying your claim may indicate the insurance company is not handling your case fairly.
Document Everything After the Accident
Strong documentation is one of the most effective ways to challenge an unfair insurance estimate.
Be sure to keep copies of:
- Photographs of the accident scene and vehicle damage.
- Medical records and treatment recommendations.
- Medical bills and receipts.
- Police reports.
- Communication with the insurance company.
- Towing, rental car, and other out-of-pocket expenses.
The more evidence you have, the more difficult it becomes for an insurance company to dispute the value of your claim.
Obtain Multiple Repair Estimates
You are not required to accept the insurance company’s repair estimate without question.
Instead, obtain written estimates from several reputable auto body shops. Independent repair facilities often identify hidden damage or additional repairs that the insurance adjuster’s estimate may have overlooked.
If multiple repair shops reach similar conclusions that differ significantly from the insurer’s estimate, this can provide valuable evidence during negotiations.
Challenge an Unfair Insurance Estimate
If you believe the insurance company’s estimate is inaccurate, respond promptly.
Provide:
- Independent repair estimates.
- Medical documentation supporting your injuries.
- Photographs and other evidence.
- Written explanations of any missing damages or expenses.
Many insurance disputes can be resolved through negotiations when supported by thorough documentation. However, if the insurance company continues to undervalue your claim, additional legal options may be available.
Know Your Rights Under Illinois Law
Illinois law requires insurance companies to handle claims fairly and in good faith. When an insurer fails to conduct a reasonable investigation, unnecessarily delays payment, or knowingly undervalues a legitimate claim, it may be violating its legal obligations.
If you believe your insurer is acting in bad faith, you may file a complaint with the Illinois Department of Insurance. Depending on the circumstances, you may also benefit from speaking with an experienced personal injury attorney who can evaluate whether the insurance company is meeting its legal responsibilities.
Don’t Let an Insurance Company Undervalue Your Claim
Receiving a low insurance estimate after a car accident can be frustrating, but you don’t have to accept it without question. Insurance companies often have significant resources dedicated to protecting their financial interests—but you have rights, too.
By documenting your damages, obtaining independent repair estimates, understanding your insurance policy, and seeking experienced legal guidance when necessary, you can put yourself in a much stronger position to recover the compensation you deserve.
Contact Wise Law Offices
If you were injured in a car accident and believe an insurance company has undervalued your claim or acted in bad faith, the experienced attorneys at Wise Law Offices are here to help. We can review your case, explain your legal options, negotiate with the insurance company on your behalf, and fight for the full compensation you deserve.
Call Wise Law Offices today at (312) 261-6193 for a free consultation or contact us online to discuss your case.
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Practice Area: Auto & Truck Accidents
Success Stories: Auto & Truck Accidents
Disclaimer: The information provided in this blog post is for general educational and informational purposes only and should not be construed as legal advice. Every legal matter is unique, and the information contained herein may not apply to your specific circumstances. Reading this blog does not create an attorney-client relationship between you and Wise Law Offices. If you have questions about a personal injury, medical malpractice, wrongful death, or other legal matter, you should consult with a qualified attorney to discuss the facts of your case.