Dealing with the aftermath of a road traffic accident can be difficult and overwhelming, especially if you were injured during the collision. When it comes to making your claim, it is important to understand the basics of negotiating with your insurance company to get a fair settlement.
Hiring a Lawyer:
Negotiation isn’t for everybody. If the idea of negotiating with your insurance company or that of the other driver is confusing or overwhelming, or you don’t have the time to dedicate to it, a car accident lawyer like these Detroit MI Auto Accident Attorneys can help. In addition, you may find it helpful to hire a lawyer if the insurance company is refusing to pay out a fair settlement, or you are not sure which decisions to make regarding the offer you have been given.
Make Your Claim as Soon as Possible:
After a road accident, you should contact your insurance company to file a claim as soon as possible. This allows you to recall accurate details about the car accident and gives you the chance to report details of any property damages or injuries to your person that have occurred while the information is right in front of you.
Keep Accurate Records:
Keeping a file of organized and accurate records regarding your car accident can be extremely useful following a collision. You should include all paperwork pertaining to your car accident in this file, including the police accident report if there is one, records of your visits to the doctor or other healthcare professionals, any expenses for repairing or replacing your vehicle, and anything else that is related to the crash.
Calculate a Fair Settlement:
It is important to determine what your claim is worth before you send a demand letter to your insurance company. If you are unsure, a car accident lawyer can help you figure this out. Consider a range of different factors such as the cost of any medical care and healthcare expenses that you have incurred as a result of the accident, whether you will require long-term medical care, any income you have lost of being unable to work due to the accident, the cost of replacing or repairing your vehicle, and any pain and suffering caused.
Do Not Accept the First Offer:
Accepting the first offer made is a common mistake that could lead to you getting much less than you deserve for your settlement. Insurance adjusters often make initial offers that are too low as a tactic to see if you know how much your claim is really worth. Never accept the first offer; always counter-offer so that the insurance adjuster can see you are willing to compromise and be reasonable, and ask them to justify the offer that they have given, including providing specific reasons for why they think your claim is only worth so much.
Negotiating a reasonable and fair claim for your settlement in a car accident case can be tricky. Keep these tips in mind and consider hiring an attorney to help.