Tips for Negotiating with an Insurance Company

There were almost 395,785 car crashes in 2016. Hurricane Irma caused 865,974 insurance claims to be filed.  For every 1,000 fires, 47.6 people will be injured. Every single day a wide variety of calamities disrupt people’s lives, imperil people’s futures, and cause mayhem.

People have all sorts of insurance to protect themselves against a wide variety of accidents, disasters, and catastrophes. It is easy to fall into the trap of thinking that simply having insurance is enough.

That is not the case. As personal injury lawyers, we want to help you out. Keep reading for some practical tips on how to deal with insurance companies.

Be Very Careful with What You Say

Insurance companies portray themselves as friendly and helpful members of their community, who want what is best for you. This could not be further from the truth. They are a company, and the only thing they truly care about is their bottom line.

If they ask you a question, it is because they want you to give a certain answer. They will try to chip away at your settlement, so that they ultimately pay you as little as possible. Sometimes, it is best to say as little as possible when discussing your case with them. Stick to the facts, and do not give out more information if you do not have to.

They are experts on getting you to say things that may negatively impact your case. Insurance companies want to pay you the smallest amount they can, if they pay anything at all. Do not help them by saying things that do not help you.

Get It in Writing

Over the phone or in person, you do not have time to really think and consider your words. When you write a letter, email, or any other form of written communication, you can stop and reflect on exactly what you want to say.

Keep Good Records

One of the most common mistakes that people make is losing their papers. Accidents generate a ton of paperwork, from all sides and at every level. This is not done just to fill up your folders. At the beginning of a case, it is hard to know which specific document can help you the most.

This means that you need to keep everything. From the initial police report to records of doctor visits to bills for car repair and beyond, you should maintain all the documents that you can for as long as you can. The careful preservation of records has saved many people from underwhelming compensation.

Work Quickly

You should contact your insurance company right away, if you have been in an accident. This will help you recall details from the incident accurately, and completely report any injuries or property damage that happened. If there is a big gap between the incident and the filing, insurance companies will point to that and say that you were not really hurt.

Hire a Lawyer

One of the biggest favors you can do for yourself is to hire a lawyer. When an accident has happened, you need to take care of yourself. You may be injured after a car accident, or you might feel traumatized after your home has burned down.

An attorney can help you go through the process. They know what to say and do to maximize your settlement. Having a helping hand who is on your side can help start the process of recovery.

The Berman Law Group can help you out. We have kindhearted, competent, and compassionate lawyers who are ready to fight for you today. Call us at 1-800-375-5555.

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