Before you can receive financial compensation for an accident you were in, you have to get through the responsible party's insurance company. Negotiating with the company can be challenging, but it is possible to work out an agreement that adequately compensates you for your damages. Here are some tips to help you during negotiations with the insurance company.
Keep It Professional
One of the biggest mistakes you can make is becoming too friendly with the insurance claims adjuster. The adjuster is responsible for settling your claim for as little as possible. If you become too friendly with the adjuster, saying no to a bad offer becomes more difficult.
Regardless of how friendly the adjuster is, keep it professional. If you have already secured legal representation, refer the adjuster to your attorney when he or she contacts you. From that point on, do not interact with the adjuster without first conferring with your attorney.
Stick to the Facts
Whenever you discuss the accident, it is important that you stick to only the facts. When you offer your opinions regarding various aspects of the accident and the damages that result, you could be hurting your case.
Your account of the accident needs to be limited to basic facts, such as the location and date of the accident and the injuries you suffered. If the insurance claims adjuster asks questions that would require you to speculate, decline to do so.
In addition to this, you need to avoid exaggerating when it comes to the details of the accident and your damages. One mistruth could put the credibility of your entire testimony in question.
Wait on the Medical Release
At some point, you will have to authorize the insurance company to obtain your medical records. Unfortunately, the form provided by the insurance company could be harmful to your case. Before signing any medical release, talk to your attorney.
The medical release form could allow the insurance company access to more than just the records from the accident. It could request records dating further back. Once the company has access, it can look for past medical conditions or injuries to blame for your injuries now.
If you wait to sign the form and allow your attorney to read it first, he or she can ensure that the form only allows for the release of the records pertaining to the accident.
Your personal injury attorney can help identify other ways that you can enhance your chances of winning your claim. Click for more information.Share
14 June 2016
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