In today’s video, you will learn how to negotiate insurance settlement to get more for your injuries. Many people do not understand how insurance companies value injury claims. They think that if the insurance company just understood what really happened, all would be fixed. However, this is rarely the case.
Here are three tips that attorney Drew Palcsik gives to people when they call and ask how they can get more from the insurance company. You don’t need a lawyer to negotiate and show that your injuries should require more financial compensation. Here are three things you can do to help you get more from your insurance settlement.
Three Tips To Get More From An Insurance Settlement
Hey, everyone. It’s Drew from Champlain Valley Law. In today’s video, we’ll discuss three tips to getting a better offer from the insurance company when trying to settle your car accident claim.
How Do Insurance Companies Value Injury Claims?
If you’ve watched any of the other videos we’ve done here at Champlain Valley Law, then you’ve heard me talk about how insurance companies typically look at car crash cases.
Much of the time, insurance adjusters use computer software to figure out how much they’re willing and able to pay out on a claim. An insurance adjuster, using this kind of software, will plugin codes based on your diagnoses, your treatments, and your documented symptoms, and the software will spit out a number. And while that number may feel very unfair and is different from how a jury would look at your claim, if you’re going to settle a case without hiring a lawyer, you’re gonna have to understand how insurance companies do their job.
So here are the top three ways to gather helpful evidence and get a fair offer from the insurance company to settle your car accident claim.
Take Plenty Of Good Photos
First of all, good photographs can really help your case. Now, we’ve done a video on how to take good photographs of a car accident and your injuries, which you should check out.
Now, there are some do’s and don’ts when it comes to taking pictures, but you basically want clear images that give some context to what the viewer is seeing. Most people make the mistake of taking their pictures way too close up and the viewer has no sense of what they’re actually seeing.
If you’re not sure, ask a friend or family member to take a look at your photos and let you know what they see in a picture. If you didn’t happen to get your own pictures at the crash site, check with your repair shop or your own insurance company to see if they took pictures of the property damage.
Select the ones that are most representative of the severity of the crash to share with the insurance company.
Focus On Your Life, Not Your Insurance Claim
My second tip is to take care of yourself. You may be surprised to learn that what’s good for you as a person is also good for your injury claim.
Never choose to do something or avoid doing something because you’re worried about how it’ll affect your case. Everyone can spot this, and it doesn’t look good. That said, make sure you get medical care. Even if you’re the type of person that wants to tough it out, it’s the doctors who can tell us what’s wrong with you and how it can be fixed or treated.
Gaps In Medical Treatment
Long stretches without medical care, especially right after a crash are called gaps in treatment by insurance companies and defense lawyers. Insurance companies will then use these gaps to argue that you weren’t hurt or that you’ve fully recovered, and this can fatal to your claim.
At the same time, you’ve got to live your life and don’t focus on your insurance claim or settlement. Do your best to do the things that you love to do or that you have to do. And if you can’t or if it hurts too much to do these things, then back off. There are a lot of virtues to this approach. It’s honest, the people who see you trying may turn out to be great witnesses, and everyone roots for someone who’s doing their best.
Review Your Medical Records
Third, and finally, remember that insurance companies really only care about what’s in the medical record when it comes to deciding how much they’re willing to pay you for your claim.
So, for that reason, make sure that you spend time with your healthcare providers at each visit, bringing them up to speed on your symptoms and impairments. It’s crucial that even minor aches and pains are documented each time you see a provider, and don’t worry about repeating yourself, because insurance companies actually count the number of times you report symptoms. Be sure to share stories with your providers of events missed, workdays you’ve had to skip, and how the injuries affected your relationships.
Remember, the more complete and accurate the medical record is, the better your chances of getting a fair settlement for your claim.
Summary How To Get More From An Insurance Settlement
So, your takeaways from today’s video to help you negotiate your insurance settlement are these. Number one. Get the best photos you can of damage to your vehicle and your injuries. Number two. Get medical care, but live your life to the fullest under the circumstances. Third and finally. Make sure your healthcare providers know about and document your lived experience with the injury. So that’s it for today’s video. We hope you found it helpful. If you did, please click the Like button and subscribe to our channel.
If there’s something else you’d like to hear about, let us know in the Comments section below. Thanks for watching, and we’ll see you next time.