Dealing with the insurance company after a car accident is something better left to a lawyer. Most insurance companies will attempt to minimize any amount of money they pay, as paying a settlement cuts into their profits. Most people aren’t able to negotiate a higher settlement on their own and may end up making mistakes that could lead to a denial of the claim or a lower settlement offer. Instead, learn more about how an attorney will handle the insurance company.
Consultation to Learn About the Case
Initially, the attorney will do a consultation with the client to learn more about the case. Those who don’t have an attorney to speak with can visit Emroch and Kilduff now. At the consultation, the attorney may ask questions about how the accident occurred, what types of injuries resulted, how much work was missed, and more. This gives the attorney the chance to fully understand the case.
Review Evidence and Expenses From Accident
Car accidents can be expensive. Just a visit to the emergency room can cost up to $3,000 and there are additional fees for any services rendered at the emergency room. Those with severe injuries may spend a significant amount of time in the hospital or end up with permanent injuries that continue to require care into the future. The attorney will review all evidence for the case as well as the expenses to determine the right amount to request from the insurance company.
Contact the Insurance Company to Request Reimbursement
The attorney can then file a claim with the at-fault driver’s insurance company and request compensation for the client. At this point, the insurance company can deny the claim, in which case more evidence may be needed to prove fault, or offer a settlement. This settlement is likely lower than the full amount the client needs to financially recover from the accident.
Review Each Settlement Offer Carefully
The attorney will review each settlement offer carefully to make sure it will cover as many expenses as possible. Since the attorney works on a contingency fee, they will make sure the settlement covers their fees, as well. In most cases, the first settlement offer isn’t going to cover everything. That’s when attorneys will start negotiations to help their client get more money.
Negotiate for a Higher Amount
When the settlement offer isn’t high enough, the next step is to enter negotiations with the insurance company. Often, there will be a lot of back and forth between the attorney and the insurance company. This can end with the attorney bringing a settlement offer to their client and suggesting it is accepted. If the insurance company completely denies the claim or refuses to offer a settlement that’s high enough, the case can go to court.
Receiving a settlement after a car accident can be more difficult than it seems at first. It will require negotiations with the insurance company, as they will attempt to pay out the smallest amount possible or look for any reason to deny the claim completely. Let an attorney handle the negotiations, as they know what to say and do to get a higher settlement offer. Talk to an attorney about your case today to learn more about how they can help with the negotiations.