Car Accident Negotiation Tips
Anyone who’s been injured in a car accident deserves to recover fair compensation for their injuries. For this to happen, you need to be very careful when you’re dealing with insurance companies. This is especially true when you contact the insurance adjuster to discuss your car accident claim for the first time. With millions of car accidents happening on the road every year, you need to be prepared and know what to expect. These tips will help you out when talking to the insurance adjuster.
First and foremost, make sure you are always extremely detailed and well prepared when you talk to the insurance adjuster. Make sure that you have handy all of the information that documents in excruciating detail the extent of your damages and all the losses you have incurred as a result of your accident. This includes any personal injuries and damages to your car and other property. Don’t forget about any lost wages, car expenses, and anything else tied to your physical therapy or any other lost time at work. If you are still undergoing physical therapy or otherwise require long-term rehabilitation, make sure the insurance company is aware of this. Be prepared with estimates from your doctor on how long and how much the therapy will likely cost.
Once you’ve gone through the insurance settlement negotiations, always make the insurance adjuster makes the first offer. Insurance adjusters have lots of experience in negotiating settlements. They will know what to say and how to say it, aiming to reduce your settlement as much as they possibly can. You also don’t want to offer less than what the insurance adjuster was willing to pay initially. If the insurance adjuster resists making the first offer, tell them you’ll consider hiring a lawyer. Once he does give you an initial offer, give them a counteroffer, but don’t agree to anything on the spot. Tell him that you’ll need some time to think things over. By doing this, you will be much more likely to be accurately compensated for the damages and injuries that you’ve sustained.
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