1. Do your homework. Be prepared to explain the reason for your injury claim. If you can make specific points proving the value of your claim it demonstrates knowledge of the process and shows the claims adjuster you’re serious.
2. Do the math. Save every medical bill, receipts for prescription or non-prescription medical expenses (braces, bandages), written repair estimates, mileage going to and from the doctor, and any other related costs.
Costs to consider when calculating the value of your claim:
- Property damage
- Car rental
- Hospital deductible
- Prescription drugs
- Chiropractic care
- Pain and suffering
- Lost wages
- Future medical expenses
3. Don’t be rushed. You WILL get a low-ball settlement offer, and settlement negotiations can drain your time and energy. Making the process difficult and time-consuming is part of their strategy. Always be polite and respectful, and keep in mind the time limit for filing a lawsuit.
4. Don’t trust “sign and settle” lawyers. A firm or attorney boasting about how many cases they’ve settled is probably a settlement mill. They’re quick to take their cut of an insurance payout and move on to the next case—regardless of whether the amount fairly compensates damages and pain and suffering.
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, and our reputation typically prompts a much higher settlement offer from insurance companies. Don't take chances with your one chance to collect compensation--make sure your rights are protected and your State Farm claim is properly valued.