A car accident can be a real nightmare – not just the event itself but the extended trauma, medical and legal expenses, and pain it causes. Given one’s vulnerability post-accident, claims adjusters pull out all the stops in confusing the claimant and getting them to settle on the least possible amount of reparations. In such a situation, you need to always be on your toes and know what steps you can take to negotiate a reasonable auto accident settlement amount:
Where to begin?
Remember: No injury, no claim. Without significant proof of any injuries or damages incurred during the accident, you won’t have any grounds for filing a claim. That being said, the more evidence you have the stronger your case becomes.
What kind of evidence can I get?
When involved in a car crash, dial for EMS and the police immediately or have someone else call for them if you’re incapacitated. Calling the police to the accident scene will be beneficial for you during the settlement process as they’ll have make an extensive record of the identity of who caused the accident, their address, driving record, their insurance provider’s details, witness names and contacts, and number plates. It’ll do you immense good to ask for a copy of the police report.
Take snaps of the accident scene and be sure to capture details of the damage to your property as well as any number plates. If you’re too injured to move, have someone else take pictures for you.
Who should I turn to?
Seek a doctor immediately after the car accident and get a thorough report of any injuries you might have suffered. A reputable name will make for a strong referral when negotiating your settlement claim.
You won’t have an auto accident settlement if you don’t notify your insurance provider. Because Michigan is a no-fault state, your insurance company is responsible for your entitled financial and medical benefits. You can however file a Third Party Lawsuit against the driver who caused the accident for non-economic losses such as psychological stress and other expenses not covered by replacement services and wage loss benefits.
Don’t forget to consult with an expertaccident lawyer who has all the know-how regarding legal and technical jargon, and can advise you every step of the way. Some insurance companies also prefer negotiating with an attorney, so be sure to do your research and hire an excellent accident claim lawyer. You can also find qualified accident management consultants at US Rehabilitation & Health Services who can take you through the key processes and recommend professionals.
What do I do if the settlement isn’t fair?
Usually the process ends when you’ve reached a sufficient and satisfactory settlement. But if the case is otherwise, then you can file an accident lawsuit – youraccident attorney will be especially helpful in reading the language of your insurance policy and determining where the insurance provider isn’t being fair. An out-of-court settlement may still be negotiated after you file a lawsuit and if agreed to can save you time and money.
If you’ve been in an accident and require professional help, get in touch with us immediately. Our extensive experience with car accident victims, be it their medical, therapeutic or legal concerns has honed our ability to offer you the best post-accident care and legal advice in the state. Contact us today for a free consultation.