According to the Ohio Department of Public Safety, more than 72,000 people
were injured and 941 people died in accidents in 2011. If you were recently
injured in a collision, you may find settlement negotiations with the
insurance company to be as stressful as the accident itself. How do you
know whether you’re getting a fair amount or being low-balled?
Personal injury lawyers can help.
Tips for Negotiating Your Car Accident Claim
Keep the following in mind while negotiating your settlement:
Know the limits on your insurance policy and how that may impact your claim.
Understand your coverage, limits, and any other applicable information
that could be relevant to your claim.
It’s important to keep all receipts for any car repairs and bills
for any medical treatment received. In addition, you should have documentation
that shows how much time from work you have missed. Keep all of this information
in one folder so you can easily locate it. This will help in calculating
the expenses of your accident and injuries.
If someone else was at fault for your car accident, you will need to prove
this. Some of the types of evidence that can be helpful when negotiating
personal injury claims are police reports, witness statements, medical
records, and any photographs you are able to take at the scene.
Make sure you have handwritten documentation of any future medical care
you will need. When negotiating, it’s vital that you include this
because you could end up paying those expenses down the road if they aren’t
included in the claim. You should also include future earnings that you
will lose as you recover from your injury.
Expect the insurance company to offer less than what you deserve. In fact,
you can be sure they will try to settle your claim quickly and at minimal
expense. While it may sound enticing to get your money sooner, it may
not be a fair amount and could leave you with financial burden.
Although you may have a good idea as to the worth of your claim, think
about the lowest amount you would accept that will cover your expenses
and costs. Remember, once you accept the insurance company’s offer,
additional compensation can never be recovered.
A personal injury lawyer’s job is to look out for your best interests.
If the car accident caused serious, disabling, or life-threatening injuries,
contact an attorney who offers a free consultation. Not only could you
be entitled to compensation that addresses your medical expenses and lost
wages, but other forms of reimbursement may be available as well. For
instance, you could be eligible to receive compensation for pain and suffering,
disability, mental anguish and more.