Tips for Negotiating a Fair Settlement with Old Republic After an 18-Wheeler Accident

If you’ve been in an 18-wheeler accident and need to negotiate a claim with Old Republic Insurance, you should be prepared for a challenging settlement process. As one of the leading commercial trucking insurers, Old Republic insures thousands of semi-trucks and fleet vehicles. Like many large insurers, their goal is to minimize payouts and protect their financial interests.

Without proper negotiation strategies, you may receive far less than your claim is worth. This guide provides key tips for negotiating a fair settlement with Old Republic and explains how to protect your claim from common insurance tactics.

At Zinda Law Group, we help truck accident victims fight for the maximum compensation possible.

1. Understand the Full Value of Your Claim

Before entering negotiations with Old Republic, you must determine the full value of your claim, including:

• Medical Expenses – Emergency treatment, surgeries, therapy, and ongoing medical care
• Lost Wages – Compensation for time off work and future loss of income
• Pain and Suffering – Emotional distress, PTSD, and long-term physical pain
• Property Damage – The cost to repair or replace your vehicle

Old Republic may initially offer a low settlement, hoping claimants will accept without negotiation. Never settle without first consulting a truck accident lawyer to ensure you receive full and fair compensation.

2. Don’t Accept the First Offer

Old Republic’s first settlement offer is typically much lower than what your claim is actually worth.

• Politely decline the initial offer
• Request a breakdown of how they determined the amount
• Submit a counteroffer supported by medical records, wage loss documentation, and vehicle repair estimates

A well-documented counteroffer increases your chances of securing a fair settlement.

3. Gather Strong Evidence to Support Your Claim

The more evidence you have, the stronger your case against Old Republic. Essential evidence includes:

• Police Reports – Official documentation of the accident
• Medical Records – Proof of injuries and medical treatments
• Witness Statements – Testimonies supporting your claim
• Accident Scene Photos & Videos – Documentation of vehicle damage, road conditions, and injuries
• Black Box Data – Many 18-wheelers record speed, braking, and driver behavior

Tip: Commercial trucking companies must comply with FMCSA safety regulations. If Old Republic’s insured driver violated federal trucking laws, this could strengthen your claim.

4. Avoid Giving a Recorded Statement

Old Republic’s adjusters may ask for a recorded statement, but you are not legally required to provide one.

• Do not admit fault or minimize your injuries
• Request all communication in writing
• Let your attorney handle direct negotiations

Insurance companies use recorded statements to reduce payouts. Anything you say could be used against you.

5. Be Patient and Expect Delays

Old Republic may delay the settlement process to pressure you into accepting a lower offer. If negotiations take time, don’t rush.

• Stay patient and firm in your demands
• Continue medical treatment to document the full extent of your injuries
• Work with an attorney to ensure your claim isn’t unfairly delayed

If Old Republic refuses to offer fair compensation, your lawyer can file a lawsuit and take the case to court.

6. Work with an Experienced Old Republic Truck Accident Attorney

Negotiating with Old Republic after an 18-wheeler accident is challenging without legal representation. Their adjusters are trained to limit payouts, but an attorney can:

• Determine the full value of your claim
• Handle all communication with Old Republic’s insurance adjusters
• Gather expert evidence to strengthen your case
• Negotiate aggressively for maximum compensation

At Zinda Law Group, we work on a contingency fee basis, meaning you don’t pay unless we win.

Take Action Today

If you’re negotiating with Old Republic after an 18-wheeler accident, don’t settle for less than you deserve.

Call (800) 863-5312 today for a free consultation.