After a car accident, working with an insurance company and getting a fair settlement is a challenging and time-consuming task. Indeed, each case is unique and requires different tactics to handle. However, there are a few things that you can follow to settle a car accident claim effectively. Read the below-mentioned tips:
Instantly Initiate a Claim
If you have been involved in a car accident, then you should initiate a claim as soon as possible. The more you delay, the more negative outcomes are expected. It is best if you can contact your insurance company at the scene of an incident or immediately after a car accident. This is needed so that an insurance adjuster can keep an exact record of your personal injuries and car damage that occurred due to an accident. Directly contacting your insurance company is in your favor because you wouldn’t be able to accurately recall the accident details in the long-run.
Consult an Experienced Car Accident Lawyer
When it comes to a car accident and personal injury lawsuit, consulting an experienced lawyer is in your best interest. It doesn’t matter if you have been involved in a minor accident or a major car collision. Getting legal help is vital to your claim. A skilled lawyer knows about the appropriate defense strategies to help you gain maximum compensation for your losses. You probably realize that insurance companies are concerned about their own profits. They are working to quickly finish the claiming processes by offering low settlements to the clients. Hence, it is essential that you have qualified legal assistance by your side like car accident lawyer Houston to help you negotiate with your insurance company on better grounds.
Keep Everything in Document
You should work as a team with your lawyer and keep every essential document in order to successfully settle an accident claim. It is crucial to exchange information while you are at the scene like full names, addresses, and contact numbers of witnesses. Keep a detailed record of the driver or the party at fault. You should also get a copy of the police report. If possible, take photos and record videos of any damage to your car. Without these documentations and evidence, you cannot build a compelling case and obtain the fair amount of your claim.
Accurately Determine the Worth of Your Claim
It is good on your end if you don’t exaggerate your injury and damage. Be very honest with your lawyer and the insurance company. Don’t try to manipulate the facts. You must calculate a fair insurance settlement. Discuss with your car accident lawyer to help you determine the actual worth of your claim before sending a formal letter to your insurance company. Incorporate your medical bills, the income amount you lost due to injuries, the cost of long-term medical care, the cost of repairing your car, etc.
Carefully Handle Negotiation Matters
Lastly, be very vigilant when it comes to negotiation matters. Listen to your lawyer’s advice and instructions. Don’t settle for less, and don’t attempt to accept the first offer presented to you. Inform your lawyer when the insurance adjuster tries to make an initial settlement. An insurance company typically begins with an unreasonably low amount. Thus, be ready to emphasize the points in your favor. Share your financial loss and long-life medical care. This way, your insurance provider will be more willing to compromise.