When it comes to disputing a claim settlement, the attorneys at Warshafsky Law want to make it clear that your best bet is to get a lawyer to do it for you. It is incredibly rare for any insurance agency to be persuaded by the victim to make changes to a settlement offer in their favor. Here are some tips for going against the insurance company:
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 every minuscule detail already covered, you are demonstrating your knowledge of the claims process.
Document every penny you spend as a result of your accident.
There is no bill too small to be important for 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
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 go above a certain amount. If the process gets frustrating, do not lose your cool. Any kind of outburst will be used against you.
Don’t sell yourself short.
Don’t give in to tactics adjusters will use to limit your settlement. The process is exhausting and nearly impossible to navigate on your own, especially considering the financial and emotional stress you’re already under.
It’s imperative you remember the statute of limitations. Delay tactics work in the adjuster's favor by getting you to cave or to buy time until time runs out and it’s too late to file a lawsuit. NOW is the time to take legal action.
Consider hiring an attorney.
Our experienced lawyers at Warshafsky Law have done this countless times before. We know exactly how much your claim is worth, and we have experience dealing with adjusters.
Insurance adjusters deal with cases like yours every day. If you go up against them on your own, they already have a leg up, on top of the fact that you’re stressed, exhausted, and experiencing emotional turmoil. A personal injury attorney will help take the burden off your shoulders and take over communication between you and the insurance company.