Negotiating a car accident settlement is a difficult process. Insurance companies will often attempt to get you to accept a lowball offer as soon as possible after the accident to avoid having to pay out your full claims and damages. If you take that first offer, you may never be able to pursue any more compensation from them or win a higher settlement elsewhere.
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It is important to start with an honest assessment of what your claim is worth, and you should always refuse any offers that are not in line with that number. Your attorney can help you determine a fair value for your case, and then negotiate with the insurance company to get the amount you deserve.
A good car accident lawyer will be able to use evidence to support your claim, such as police reports and witness statements. They will also be able to collect and review medical records that demonstrate the extent of your injuries and expenses, as well as any pain and suffering you have endured.
Getting all of your medical bills and records from the insurance company as soon as possible is crucial for preparing your case. This is especially true if you are seeking treatment for serious injuries.
The first thing your lawyer should do is prepare a demand letter to the insurance company detailing your injuries, medical costs, and any other relevant details. Send this letter as soon as possible, and make sure to include a clear description of your case and the damages you are requesting.
Once the adjuster receives your demand letter, it is a good idea to contact your attorney and ask them to read the adjuster’s response to your letter. This will give your lawyer an opportunity to review the adjuster’s reasoning for the low settlement offer and respond in a letter of their own.
If the adjuster’s reply does not justify the initial offer, or if you find that the offer is still too low, you should write a counter-offer to the adjuster that is somewhat lower than your original demand. This counter-offer should contain a specific explanation for why the original offer was too low and why you are not willing to accept it.
This counter-offer should be sent to the adjuster as soon as possible, and if you haven’t received it within a week, you should contact your attorney for advice on how to proceed. Your lawyer will be able to advise you on whether or not to accept the lower offer, or to take it to court and fight for more money.
You should only accept a car accident settlement that is fair to you, and this will be based on the extent of your injuries, medical expenses, and any other damages you have suffered. If you settle for less than you are entitled to, you will not be able to recover any more money from the insurance company.
If you’ve been injured in a car accident and need help negotiating a car accident settlement, contact our Somerville law office today for an appointment with one of our experienced auto injury attorneys. We will do all we can to make sure you receive the full compensation you are entitled to for your injuries and damages.
Montag Law Office 4151 E Street, Suite 200 Omaha, NE 68107 (402) 334-2200