No matter who you are, getting hurt in a car accident can be a traumatic experience for drivers. Not only are you in for a possibly painful rehabilitation, you also might lose your job or be forced to take time off, resulting in lost wages. Covering hospital and related medical costs can get very difficult as a result, and if you think most insurance companies are going to freely take care of your bills, you’ve got another thing coming. In fact, dealing with insurance companies is often the most stressful part of the process, and they will look to get you off their payroll as quickly as they can.
For the most part, negotiating with an insurance company is a nightmare if you do not have a professional legal team such as the Parrish DeVaughn Law Firm at your side. With locations in Oklahoma City, Edmond, and Tulsa, we have seen it all when it comes to insurance companies, and if you want to figure out a way to beat them, follow these tips.
#1 Evaluate How Much Getting Hurt in a Car Accident Cost
If you are going to try negotiating with an insurance company, you better know just how much your injury has cost you and how much you are trying to get back. In a more basic sense, you want to add together all your medical bills, lost wages, property damages, etc., and present this to the insurance company. Keep in mind, however, that you also want to factor in current costs and any additional ones that could come about as a result of being hurt in a car accident
#2 Don’t Forget Emotional Damages
The physical pain is one thing, but car accidents can be life-altering, and you want to make note of how getting hurt in a car accident has changed you for the worse. For example, if your injury has strained your relationships with family or friends or keeps you from participating in hobbies or other activities you used to enjoy, you will want to include these costs in your personal injury claim.
#3 Do Not Pull the Trigger Too Early
As a general rule, you never want to jump at the first offer an insurance company presents you. Oftentimes, a higher initial offer than you were expecting is indicative of something you might not know yet, meaning that an insurance company thinks your injury is more damaging than it appears. Be aware of this when negotiating.
#4 Ask Questions About Your Offer
When you are given an offer from an insurance company, always ask for an explanation behind it. You might not get an answer you are looking for, but you are opening a dialogue that could help in the future.
#5 Hire a Lawyer
The best way to deal with a stubborn insurance company is to get a professional legal team to stand with you at the negotiation table. The lawyers at the Parrish DeVaughn Law Firm in particular have seen all sorts of different personal injury cases, and if you were hurt in a car accident and need help getting the money you deserve, we want to hear about your case. So feel free to contact any one of our representatives to see how we can best assist you.