Auto mobile accidents usually leave drivers and car owners with some damages, whether to themselves, the cars, or both. Luckily, it is possible to make an insurance claim and obtain a befitting settlement, regardless of whether you’ve negotiated before or not. Interestingly, these negotiations are not that different from other types of negotiations implying a lot of pulling and pushing usually happens. Insurance companies will always be looking to make the least possible compensation to maximize their profit because, after all, it is business for them. Therefore, it is up to you to make a strong claim, stand your ground, and get the compensation you deserve, or even better. Discussed below are some of the tips that you can use to help you negotiate successfully.
Make your claim immediately after the accident
Your insurance company should be among the very first people you contact after your accident. This is important because it helps you to recall and report details of the accident, as accurately as possible. This helps in determining the magnitude of the damage to the car and the injuries you’ve incurred. It is also important to know what to say to the insurance officials because, after all, it is just a normal day in the field for them. You can make use of laws such as Naqvi Injury Law to help make your case.
Maintain an accurate account of events
Keeping a chronological file of records can go a long way in assisting in making your case. Typically, it should constitute a police accident report, doctor’s visits, and car repair bills among other relevant reports. Such document provide a clear, valid, legal point of reference should there be any misunderstandings during the negotiations. Keeping them close by can help expedite the claim settlement process.
Put emphasis on favorable points
While interacting with your car insurer, identify the strong points and put emphasis on them. You should avoid wasting time emphasizing undisputed facts. Instead, focus on the important things like actually making a strong case. In case of an unfortunate permanent injury, assess and discuss its potential or definite impact on your quality of life and your cash-flow as well. In case of missed work or work opportunities due to the accident, ensure you bring this to light to strengthen your case and claim. This helps prove to the insurers that your compensation figure is not just some random guess but a fair, measurable statement.
Ensure everything is documented
Never accept agreements by word of mouth. Always ensure that everything is in writing so that no party can go back on their words at a later date. Take notes of proceedings, important statements and other relevant items or occurrences so that you can have a future point of reference. Ensure all settlement offers are presented in writing and that the accepted offer is documented and effectively signed by the appropriate officials.
Car accidents are usually a sad and unfortunate state of affairs, though this is the reality of life. Car insurance companies are meant to cushion such incidences, at a cost. After being involved in a car accident, making an insurance claim can be quite challenging. Fortunately, Naqvi Injury Law provides a comprehensive guideline on how you can manage this process.