The best way to improve your odds of a fair payout from an insurer is to contact a personal injury lawyer and let a professional deal with the legions of trained representatives and attorneys working for the insurance company.
Although a lawyer is your best bet, there are some tips you can try to help you increase your settlement amount:
1. Be prepared
Be able to explain the reason for your claim and to prove the value of your pain and suffering with specific points.
2. Save receipts
And medical bills, recent paystubs, mileage driving to and from the doctor, and anything else to show the value of your claim.
3. Stay cool
When you get a lowball offer (and you WILL), stay calm and be polite. The rep you speak with may only be authorized to offer up to a certain amount. If necessary, ask to speak to a different claim adjuster or supervisor.
4. Go the distance
Insurers KNOW you’re facing a growing pile of medical expenses and unpaid bills. They count on the financial stress and frustration with the process to work in their favor. Don’t fold, and don’t sign a check for less than you deserve.
5. Know what your claim is worth
Some costs are easy to identify, like your hospital bills and car repairs. Calculating lost wages and pain and suffering is far more complicated.
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.