In certain circumstances negotiating a deal comes to us naturally. We negotiate on the purchase of a house or a car, our salaries — maybe even with the vendors at the farmers market. Yet, when an insurance company offers us a settlement for injuries we’ve sustained in a car accident, we think we just have to accept what they’re offering.
The thought of negotiating with a big insurance company can be intimidating. But you have to remember, they make money by paying as little as possible for every claim their customers make, so they are going to offer the smallest amount possible.
The first offer the insurer offers probably does not reflect the pain, suffering, and inconvenience you’ve experienced as a result of your injuries, let alone the financial consequences from lost work time and medical expenses. If you’ve been severely injured, you may not be able to return to work and you may have ongoing medical expenses for the rest of your life.
Insurers have highly paid actuaries who calculate the value of a claim based on standard information which may or may not apply to your situation. If you don’t agree with the amount you’ve been offered, you’re going to have to deal with someone higher up in the company, and that’s not easy.
Insurance companies are large corporations with almost limitless resources. Improving a settlement offer is much more complicated than negotiating a better salary. You need an experienced legal advisor to go to bat for you. Insurers will:
- try to minimize your injuries,
- question the necessity of your medical treatments,
- say you were complicit in causing the accident,
- look at your social media pages to try to “catch” you doing things you couldn’t do if your injuries were as bad as you say,
- claim they can only authorize up to a certain dollar amount.
They also try to settle the claim as early as possible, before you’ve retained a personal injury attorney. Insurers are very aware they lose control over a claim once it goes to litigation, and even less control if it goes to trial.
If you’ve been injured in a car or other accident don’t be intimidated by the insurance company. Jeffrey Freedman Attorneys has been handling claims on behalf of individuals who have been seriously injured due to the negligence of others since 1980.
We have vast experience in evaluating and resolving car accidents, premise and property injury claims. To contact us, call 1-800-343-8537 for a free consultation.