When insurance companies try to "swoop and settle" with lowball offers, it’s critical to have an experienced legal team that knows how to fight back. At Hoover Rogers Law, LLP, we’ve seen firsthand how patience, persistence, and experienced legal help can change the outcome for injury victims. A recent case involving Bobby (last name withheld for privacy) highlights why it's essential to seek legal guidance after being injured in an accident.
When A Routine Drive Turns Life-Changing
In November 2023, Bobby was rear-ended on I-35 while driving home after a business meeting in Dallas-Fort Worth. His car had visible damage, but the photos didn’t capture the full extent of the impact. After feeling neck pain, headaches, and signs of memory loss, Bobby visited an urgent care clinic. Despite these concerning symptoms, the insurance company quickly offered him $2,000 to settle his claim.
Rejecting the "Swoop and Settle" Offer
Rather than accepting the offer, Bobby turned to Hoover Rogers Law, LLP. Attorneys Ben Hoover and Grant Rogers immediately recognized the “swoop and settle” tactic, where insurers offer a quick but inadequate settlement before the full scope of an injury is known. The firm took swift action, ensuring Bobby saw specialists, including an orthopedic surgeon and a brain injury expert.
Medical evaluations confirmed that Bobby had sustained mild traumatic brain trauma (mTBI) due to the collision. His ongoing symptoms—headaches, memory issues, and chronic pain—showed the lasting effects of the crash.
A Fight for Full Compensation
Armed with detailed diagnostic reports and expert medical opinions, the team at Hoover Rogers Law crafted a comprehensive 23-page settlement demand, seeking the insurance policy’s $100,000 limit. The evidence was so strong that the insurance company had no choice but to pay the full amount. Additionally, the firm pursued Bobby’s underinsured motorist coverage, securing another $100,000—bringing the total settlement to $200,000.
Why Having a Personal Injury Lawyer Matters
Bobby’s case illustrates why it’s crucial to consult with an attorney after an accident. Without legal representation, he may have accepted the initial $2,000 offer—leaving tens of thousands of dollars on the table. Instead, by rejecting the lowball settlement and pursuing the compensation he deserved, Bobby was able to secure a recovery that addressed his long-term medical needs.
“We’re proud to have secured justice for Bobby,” said attorney Ben Hoover. “No one should have to accept a lowball offer when they’re dealing with serious injuries. Insurance companies know what they’re doing when they try to settle early. It’s our job to make sure our clients aren’t taken advantage of.”
Protecting Your Rights After an Accident
Insurance companies only care about protecting their bottom line—not your best interests. At Hoover Rogers Law, LLP, we stand up for our clients and make sure they don’t have to face these challenges alone. Whether you’ve been injured in a car accident, truck accident, or another serious incident, we’re here to provide strategic legal representation that gets results.
If you or someone you love has been hurt in an accident, you deserve more than a quick settlement—you deserve justice. Contact Hoover Rogers Law, LLP today for a free consultation and let our team fight for the compensation you deserve.
"Ben did an amazing job helping us navigate a complicated personal injury case. I wasn’t aware of many of the relevant laws that existed in our favor. He both helped us reduce our medical bills and negotiated better liability insurance payments. Highly recommend. So glad we decided to get legal help." - Tarah N., ⭐⭐⭐⭐⭐