There are some things you can try to increase your settlement offer:
1. Be cool
Even if the claim adjuster gives you a lowball offer or a runaround, always be calm and polite in your dealings with the insurance company. If you need to, ask to speak to a supervisor or different representative.
2. Do your homework
Prepare for negotiations by preparing to explain the reason for your claim, and ready to show its value with specific information. Be sure to include evidence of pain and suffering.
3. Keep receipts
Hold on to every medical bill, car repair estimate, recent pay stubs, and even the mileage you put on driving to the doctor and back. Document anything and everything proving the value of your claim. Our personal injury attorneys and medical lawyers will fight to get you compensation for all your losses.
4. Know what your injury claim is really worth
Some costs are easy to define, like hospital bills and prescription drug costs. Calculating pain and suffering and lost potential wages is much more difficult.
Additional personal injury claim costs to consider:
- Property damage
- Car rental
- Hospital deductible
- Non-prescription medical expenses (bandages, braces, etc)
- Chiropractic care
- Future medical expenses
Subrogation means if someone else is at fault for your injuries, your health insurance company has the right to seek reimbursement for their payments.
5. Discuss your case with a qualified attorney
Going over your claim with an experienced personal injury lawyer is the best way to judge the value of your claim offer. An attorney will also take on the burden of negotiations—in fact, once you hire legal representation all communication between yourself and the insurance adjuster must stop. A personal injury lawyer is a professional negotiator who may help you collect a much larger settlement than you were prepared to accept acting on your own.