When you have been in some kind of personal injury accident, like a slip and fall, a car accident, or a pedestrian accident, you may be preparing to file a claim. When you file a claim, you better expect that one of the first things that will happen is you will get a call from the other party’s insurance. This call may seem thoughtful and sympathetic. They may say they are concerned about your well-being and that they want to make sure you are okay after the accident. This can come in the form of asking how you are doing, how you have been recovering, and what happened when the accident occurred. However, it is important to speak with a lawyer before you talk with the insurance agent.
How can a lawyer help with insurance negotiations?
The truth is, any talk with the other party’s insurance negotiator should almost always go through a lawyer. This may sound like you are taking this too seriously or that you are being aggressive but that is simply not the case. Instead, working with a lawyer, like a personal injury lawyer can help you win your personal injury claim and get the compensation you deserve.
Do I need to negotiate with an insurance company?
If you do not like to negotiate, you may be wondering if this step is even necessary. Will the insurance company even call to negotiate? Absolutely. An insurance adjuster’s job is to ensure their company pays as little as possible. This means when you file a claim with them asking for compensation, they will likely try to deny your claim or begin with a low offer. If you are not working with a lawyer, you may be tempted to take the low offer. However, a skilled lawyer will know when the compensation you are being offered is fair and when you should fight back for more. Your lawyer will be able to help you:
- File your personal injury claim
- Gather records and evidence
- Determine a fair settlement
- Negotiate with insurance adjusters
- Fight on your behalf in court
What if I’m given a low offer?
If you’re given a low offer, you should not feel obligated to take it just because it is some amount of compensation. Instead, your lawyer will know different negotiation tactics and can tell you which offers are legitimate and which ones are too low for what your needs are.
If you would like help negotiating with insurance adjusters regarding your personal injury claim, get the help of a local lawyer you can rely on.