After a personal injury accident, the negotiation with the insurance company is important for obtaining the right amount of compensations for your injuries, medical bills, and emotional strain. The negotiation phase starts after you sent the demand letter to the insurance company. After this, the insurer will present arguments that will most likely diminish the value of your claim and will try to get you to settle for less.
It is important to go through the negotiation process with a clear settlement amount in mind and have the right counter-arguments so that the insurance company does not attempt to lessen your compensation. A Los Angeles personal injury attorney can help you during the insurance company negotiation phase.
Successful negotiation with the help of a Los Angeles personal injury attorney
Insurance companies will treat personal injury accidents with a reasonable amount of care but their offers for compensations might be lower than the true amount needed to cover the damages. While some cases are easier to settle than others, especially when the injuries are not extensive, in cases where the victim has sustained traumatic injuries it is best to request the help of one of the Los Angeles personal injury attorneys.
A lawyer will help you outline the strongest points in your case and will help you negotiate with the insurance adjuster. A straightforward claim and one that is not made in a hurry will have greater chances to receive a larger amount of compensations once a counter-demand is placed.
Our lawyers invite you to watch a short video about the negotiation phase:
Key questions in the negotiation process
The insurance adjuster will need to know the most important details about the accident. The manner in which you present these facts can be crucial for the negotiation process. Common questions asked by the insurance agency can include:
-your injuries: if they are temporarily or permanently disabling;
-the medical bills: nature of the treatment and whether or not other medical problems could have aggravated your health;
-coverage: if your insurance policy covers those specific types of injuries.
The insurance adjuster will ask for evidence that supports your claim and, more importantly, the amount that you have asked for. The following types of documents will help you support your case:
- all of the medical records and bills: you should be in charge of obtaining these documents and not the insurance company; you can make sure to collect them yourself and not give up control of knowing how much your current and future medical treatment is worth; you may need to obtain a prior authorization form for the medical documents;
- a copy of the police report; charges may apply;
- wage loss information from your employer, if the loss of income is an issue in your case;
- good photographs of the actual damage (especially important in vehicle accident cases when negotiating with the insurance company).
A personal injury attorney in Los Angeles can help you prepare your answers to these questions. Moreover, our experts can help you claim according to the California insurance code and obtain all the rightful compensations you are entitled to.
You should know that if you decide to start the negotiation with the insurance company on your own, a Los Angeles personal injury attorney will likely be unable to increase your case to a higher category of claim after the negotiation has begun. You should not give the impression that you would settle for a lesser amount than your case is worth. Choosing to work with an attorney can discourage the adjuster to lesser your amount on the presumption that you are willing to accept any settlement.