5 Tips For Nailing That Insurance Claim Settlement
Having problems with your insurance claim settlement? You are not alone. Thousands of auto accident victims are waging their own little wars against insurance companies that refuse to give them rightful compensation for injuries they have suffered. Many insurance companies will do everything to make sure the other party agrees to the lowest settlement possible.
Being a victim of a motor vehicle accident is no joke considering the physical suffering you have to go through as well as the financial woes you will probably face because of countless visits to the doctor. Added to that are the wages you have to forego because you cannot work or perform like you used to.
Here are some facts and tips which will help you hasten that insurance claim settlement you should have been awarded a long time ago:
1. Immediately after a car accident (and that would mean after you have undergone medical examination) make sure you get the contact details of the other party to the accident as well as the name and the contact numbers of his insurance company. 2. Inform your own insurance company about the accident because they may have to pay your insurance claim depending on the laws of the state where you are residing. Some states provide a no fault policy where each party to an accident is held responsible for the respective expenses. In this case, the expenses are paid for by their insurance companies. And if that applies to you, your insurance company would want to be on the site as quickly as possible to evaluate the damage caused by the accident. 3. Make a claim with the insurance company of the party who was at fault. The company will be sending in an adjuster to evaluate the damage caused and the extent of the insurance claim. Most often, the adjuster will make an offer for settlement early on, but don’t take it too quickly because there may be intervening facts yet unknown to you that may influence the amount of the settlement. These can come in the form of injuries not yet known immediately after the accident. 4. It would also be a good idea to get a personal injury lawyer specializing in auto accidents so he can give you advice on the proper settlement amount. Bear in mind that the adjuster will make a quick offer to make you sign on the dotted line and settle the matter, before you have time to think properly. An offer like this would generally be lower than what you can get as insurance claim settlement when the matter has been discussed properly with your lawyer. 5. If you are aware of the extent of your injury and the offer made by the adjuster is fair then you can agree on a settlement there and then. If not, you can write the company and haggle or negotiate for a fairer amount. Adjusters have a ceiling amount when negotiating and after the maximum, you can no longer expect a higher offer. If you are not satisfied with the adjuster’s offer you can get your own lawyer to intervene or you can ask the help of the Department of Insurance. When all else fails, and your lawyer advises you that your claim is worth much more than the insurance company offers, then this is the time to file the case in court.
Motor Vehicle Accident
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