1. Be prepared. You cannot dispute a claim by using abstract arguments you come up with on the fly. The more specific you are, the better. State every piece of information you have, piece by piece, as thoroughly as possible. The insurance adjuster most likely already knows everything you’re talking about, but if you come in with all potential details covered, you are demonstrating knowledge of the claims process.
2. Document every penny you spend as a result of your accident. There is no bill too small for reporting from your accident. The more evidence you can collect to prove financial and emotional hardship as a result of the accident, the better. A personal injury attorney can help you remember what documents to save, including:
- Medical bills
- Written repair estimates for vehicle damage
- Receipts for prescription drugs
- Your car’s mileage for doctor visits
- Paystubs before the accident
- Therapy bills
3. Remain calm. State the minimum you’re willing to settle for. The adjuster WILL try to low-ball you. It’s the first tactic they instinctively go to during negotiation. Sometimes they don’t even have a choice—many insurance companies require a lawsuit to not exceed a certain amount. If the process gets frustrating, do not lose your cool. Any kind of outburst will be used against you.
4. Don’t trust “sign and settle” lawyers. A firm or attorney bragging about the number of cases they’ve settled is probably a settlement mill. They’re quick to take their cut of an insurance payout and proceed on to the next case—regardless of whether the amount fairly compensates the damages, pain, and suffering you've incurred.
5. Consider talking to a personal injury attorney experienced in dealing with insurance companies. You may be wondering how to file a personal injury claim without a lawyer, but you should know Warshafsky Law has a reputation for winning huge settlement amounts in jury trials. With a strong reputation of making insurance companies pay up, our cases close with a much higher settlement offer compared to other law firms. Don't take chances with your one chance to collect compensation--make sure your rights are protected and your Auto Club claim is properly valued.