JusticeFinder Tool

Counteroffer / Negotiation Script Generator

A first settlement offer is usually a starting point, not a final number. This generator lays your documented economic damages next to the insurer's offer — a factual comparison, not a prediction of your case's value — and drafts a structured counteroffer letter using the figure you choose, anchored high and justified with records.

Start Tool Open Spreadsheet Download Template

Draft your counteroffer

Enter the offer and your documented damages, set your own counter figure, and the letter rebuilds live. Then copy or download it.

Your name

Insurer / adjuster

Claim number

Their current offer

Documented medical expenses

Documented lost wages

Other out-of-pocket costs

Your counter amountYou set this — there's no 'correct' number. Anchor above your target to leave room.

Response deadline (days)

Why your figure is justifiedLiability, injuries, future care — the points that support a higher number.

Their offer vs. your documented economic floor

Their offer

$12,000

Documented economic floor

$18,500

Their offer is $6,500 below your documented economic costs alone — before any pain, suffering, or future care.

This is a factual comparison of the numbers you entered — not an estimate of what your case is worth. Your counter is the figure you choose.

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Anchor high, justify with documentation

Open above your real target so there's room to negotiate down to a fair figure — and back every number with records. A counter that's only your documented bills leaves your non-economic damages on the table.

Counteroffer letter

[Your name]
June 20, 2026

[Insurer / adjuster]
Re: Claim No. [claim number] — Counteroffer

Dear Claims Representative,

Thank you for your settlement offer of $12,000. After reviewing it against my documented losses, that amount does not reflect the full value of this claim, and I am responding with a counteroffer of $38,000.

My documented economic damages alone total $18,500:
   •  Medical expenses: $14,500
   •  Lost wages: $3,200
   •  Other out-of-pocket costs: $800

These are hard costs supported by records. They do not include non-economic damages — pain, suffering, and the disruption to my daily life — or any future care, all of which this claim also encompasses and which a fair settlement must account for.

Liability is clear from the police report; my injuries required ongoing treatment; and future care remains likely.

For these reasons, I am countering at $38,000. I remain willing to negotiate in good faith toward a fair resolution and welcome your itemized response. Please reply within 14 days.

Sincerely,

[Your name]

Generated in your browser — nothing is saved or sent. Review and adjust before sending; this is a starting scaffold, not legal advice.

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The offer is the opening, not the answer

A documented counter shifts the conversation from their number to yours.

Insurers routinely open below a claim's documented value. Putting your hard economic costs — bills, wages, and out-of-pocket expenses — directly beside the offer reframes the discussion around facts. From there, a fair settlement adds the non-economic damages and future care the floor doesn't include.

This tool deliberately doesn't compute a “right” counter. You set the figure; the letter justifies it with your documentation and the dispute points you raise.

Go deeper with the Settlement Negotiation Blueprint

A full playbook for the back-and-forth after your counter goes in.

This generator gets your counter out the door. The Settlement Negotiation Blueprint ($47) carries it further — adjuster-by-adjuster scripts, how to respond to each counter, and the documentation that moves a number — so you can negotiate the rest of the way with a plan.

Related Resources

Use these pages and documentation tools to validate the estimate, preserve evidence, and keep the claim file organized.

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Net Settlement Calculator

See what any settlement figure actually nets you after fees and liens.

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Demand Letter Generator

Build the underlying demand that a counteroffer follows up on.

Context

Average Settlement by Injury Type

Understand the range landscape before you set your counter figure.

Spreadsheet

Demand Letter Organizer

Organize the documented damages that justify your counter.

Frequently Asked Questions

Does this tell me what my case is worth?

No. It compares the offer to the economic costs you actually entered, and it drafts a letter around a counter figure you choose. It does not predict case value — non-economic damages and future care are negotiated, not computed by a tool.

Why should I anchor high?

Negotiation moves toward the middle. Opening above your real target leaves room to come down to a fair figure, while opening at your bottom line leaves nowhere to go but lower.

What is my 'documented economic floor'?

The sum of your hard, provable costs — medical bills, lost wages, and other out-of-pocket expenses. It's a floor because a fair settlement should also account for pain, suffering, and future care on top of it.

Is a low first offer normal?

Often, yes. Insurers frequently open below the documented value to test your expectations. A documented, good-faith counter signals you understand the claim and expect a fair number.

Educational Use Disclaimer

This generator is for educational use only and does not constitute legal advice or create an attorney-client relationship. It does not value your claim or recommend a number — you choose your own counter. Settlement strategy depends on facts and law specific to your case; consult a licensed attorney, especially for serious injuries.

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