To be frank, your best chance at getting a fair settlement from MetLife is to have an experienced personal injury lawyer at your back. There are, however, some things you can do to increase your odds of getting a fair settlement.
1. Don’t lose your cool.
Getting the runaround from an insurance company is enough to drive anyone crazy, but resist the temptation to fly off the handle. Grit your teeth and stay polite. If you’re not making any headway, ask to speak with a supervisor or another rep.
2. Be prepared.
Before you even start the claims process, you need to have detailed information on what your auto accident cost you. Since there may well be ongoing medical costs, you need to keep track of them. You can also document pain and suffering with photos of your injuries (the more gruesome, the better), pain medications you’ve been prescribed, and statements from your doctor or physical therapist.
3. Keep track of all expenses.
Your claim should reimburse you for all the expenses you’ve incurred as a result of your accident. Medical bills, out-of-pocket costs for your appointments, chiropractic care, car repair costs, transportation to and from doctor appointments and lost income from not being able to work. If your injury requires ongoing care, future medical expenses can be included in your claim, too.
4. Talk to a lawyer.
Before you decide to handle the claims process on your own, at least get some input from an experienced attorney. Almost every personal injury law firm offers a free, no-obligation initial consultation, Warshafsky Law included. Once we hear about your situation, we’ll be able to give you our take on what sort of settlement the insurance company should be offering you. Then you can decide whether to retain an attorney or continue handling the claim yourself.
5. Hire an experienced personal injury lawyer.
If you want to be sure you get everything owed to you, hiring an attorney is the way to do it. Besides having the legal knowledge it takes to beat behemoth insurance companies at their own game, an attorney relieves you of all the stress of having to deal with the insurance company on your own. In fact, once you retain an attorney, the insurance company is legally obligated to only communicate with your attorney.