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Car Accident Insurance Claim - Behind An Adjusters Offer
Car accident insurance claim provides the security of backing all the possible burden inflicted by your car in the event of an accident. This also includes damages inflicted by other vehicles to your car.
While various car insurance companies offer different coverage, there are still a few basic things you have to be mindful of. This is specifically applicable when the amount that needs to be covered requires negotiation.
Here's the Car accident insurance claim insight you must know:
1st Phase: The Accident
If none of the people concerned with the accident are injured, then you should call your insurance company first before anyone else to notify them of your situation.
It's basic protocol for these companies to send a person to assess the damage of the accident and your possible liability. This delicate investigation will be very intense, which will include interviews from eyewitnesses, policy check that your insurance covers, gathering police reports, and others.
Should you require medical assistance though, or in the event that you want your insurer to cover your medical charges while investigation is ongoing, the company will often send an 'Authorization Medical Form' to cover the immediate release of your medical information.
2nd Phase: The Findings
Two things can result after the company finishes its investigation.
One, they will consider your accident as a simple car incident, in this case, the company will just simply estimate the amount necessary for your car's repair and promptly forward you a check.
Or two, the damage is so extensive they send an adjuster to negotiate the amount required to cover the liability. The latter is often very tricky, especially if you don't prepare yourself from their very creative offers.
3rd Phase: Negotiation
Creative deals can sound generous and justified oftentimes. Unfortunately, it's also a tactic that will deceive clients by enticing them to unjustified deals.
Sometimes, what might sound fair can actually mean unfair. You can imagine this part as some form of a business deal that your insurance company needs to win. Adjusters need to save money for the company anyway. So how do you deal with this situation properly?
4th Phase: Getting a Lawyer
Yes. The best way for you to take care of this negotiation is by getting yourself a lawyer.
Talk to your lawyer the settlement issue you're about to get into. Include in your discussion the amount you had in your mind. This amount should be reasonably supported by evidence through facts and documents.
5th Phase: The Offer
Here's the picture with their deal. While it is an adjuster's job to offer low rates and save money for the company, it is also known that insurance companies intend to settle a deal to close a case.
The offer can be given in one go, it could be in part, or sometimes none. But because insurance companies prefer to close a Car accident insurance claim in the shortest time possible, they'll generally allow room for negotiation.
6th Phase: Letter of Demand
This phase is very simple. If you don't like the offer granted to you by an adjuster, you can always go direct and just drop the company a letter containing your expectations. Remember, it is very important that the amount you provide is realistic.
7th Phase: Sealing a Deal
The most important thing to keep in mind when you're negotiating is to be realistic. If you think the amount is already fair enough then don't wait too long. However if you think the offer is unfairly justified then better get further help from your lawyer.
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