Here's the most important thing you need to know about dealing with your insurance company for a car accident injury claim: they don't think of payments as essential to helping pay for medical bills. For them, your injury claim is just an obligation that they must find a way to repay. It's just a business transaction. This gives the insurance company a lot of power over the total amount of your settlement. However, once you understand the tricks they use, you will be able to negotiate your injury claim for a much better price.
Fortunately, you found this article! Because I am a car accident lawyer, I have spent my fair share of time fighting large insurance corporations. I know what mistakes people often make that can leave them without helping pay for their medical bills.
Many people do not realize that the insurance company treats your medical bills like any other business transaction: it is controversial. To know how you can get the most out of your car accident insurance claim, you need to understand these principles of negotiating with insurance regulators.
1. Always allow them to make an offer first. You probably shouldn't get the first offer you get because it's almost never the true cost of your damage. Go into the negotiations with the same mindset you would have if you went to a used car dealer: sticker pricing is usually higher than the car is really worth, but this gives you a starting point for the negotiations.
Plus, before you know what your claim really is, you need to find out how extensive your injuries are and whether you will need long-term medical treatment or expensive surgeries. Once you have a starting point from the insurance adjuster, you can figure out how much basis you have for more.
2. Stay awake and calm. You will no longer benefit from claiming a car accident injury if you are not at the top of your game. You need to prevent the insurance regulator from getting the upper hand because you have been injured in a car accident.
3. Consider what you can let go. Like any negotiation, you can get a better position on some issues if you give up some of your claims on others. Consider what is most important and least, and be prepared to give up what you do not need.
These tips will help you negotiate with the insurance regulator, but there are a whole host of other scams that the insurance company will use to deny you help pay your medical bills. That is why it is so important to find out as much as you can about how the insurance company works, in order to learn their secrets and fight the insurance company.