How to Negotiate With an Insurance Adjuster after a Worcester Car Accident
After a car accident in Worcester, you will need to file a claim with the insurance company for damages. If damages were less than $2,000 and you have not suffered serious injuries, you will file a claim with your own insurance company under the state’s no-fault system; if you were seriously injured, you can pursue a claim against the insurance company of the at-fault driver. Either way, in order to get the maximum amount of compensation that you deserve, you will need to negotiate with the insurance adjuster. Here’s what you need to know–
Negotiations Are a Normal Part of the Claims Process
It is important to know that negotiations are a normal part of the claims process, and you should not feel intimidated by asking for more money. In fact, insurance companies regularly lowball first settlement offers, and so accepting a first settlement is rarely advised. Negotiations can last for weeks or months, and if no agreement is reached, a claim may require litigation to resolve.
Tips When Negotiating with an Insurance Adjuster
Knowing some tips for navigating the negotiations process can help you to maximize your settlement award. Keep the following in mind:
- Know how much you want to get. Knowing how much you want to get – and how much you really need – is important when approaching negotiations. Because there will need to be some compromise between you and the insurance company, you will really need to understand how damages are calculated, especially noneconomic damages.
- Don’t give in. It can be very tempting to give into a first or second offer – the claims process is exhausting, and it is normal to want to end it and move on with your life. However, caving and accepting a settlement that is less than you deserve is a bad idea in the long-run, ultimately meaning that you are accepting less than you could get.
- Do not exaggerate your losses. The easiest way to discredit yourself and turn an insurance adjuster against you is to exaggerate your losses and the amount of money that you think you deserve. Yes, you should be fully compensated for your injuries, but trying to cheat the insurance company is never a good idea.
- Work with an attorney. Working with an attorney who is both knowledgeable in the law and an experienced negotiator is very beneficial. An attorney can handle all aspects of negotiations on your behalf, and advise you when – and when not – to accept a settlement.
Contact Our Worcester Car Accident Attorneys Today
At the offices of Tetzel Law, LLC, our talented Worcester car accident attorneys are well-versed in the car accident claims process, and have years’ worth of negotiation experience under our belts. If you are involved in a crash and about to embark on the claims process, or have recently been offered a settlement that you believe is less than you deserve, contact our experienced team to learn how we can help you. You can send us a message online to request your free consultation today.