When we pay into our auto insurance policies, we expect to be covered in the event of a motor vehicle collision. We expect our insurer to cover the costs of repairs and any medical expenses to get us healthy and back on the road. Unfortunately, the insurance settlement process doesn’t always go so smoothly.
Your insurance company might not be willing to offer you the full settlement you need, for example, which means you’ll need to negotiate a settlement amount to cover your accident-related expenses.
If you’ve been injured in an accident, make sure you’re familiar with the following auto insurance settlement negotiation tips. If you’re still struggling to get the funds you need for recovery, enlist the help of a qualified and experienced vehicle wreck lawyer in Alabama.
Know Your Claim’s Worth
Insurance companies are part of a for-profit industry, which means the priority is protecting profit margins more than covering your damages. You can expect your first settlement offer to be low. Equip yourself by knowing the full and true value of your claim.
Before you accept or respond to any offers, list all of the ways your life has been affected by the accident. This includes both economic and non-economic damages, which means you should receive compensation for any financial, physical, and emotional losses.
An experienced lawyer can help you determine which losses should be included in your claim. When you’re considering a settlement offer, go through the following list of damages with your attorney:
- Current and future medical expenses
- Lost wages
- Property damage
- Emotional trauma
- Pain and suffering
- Loss of enjoyment of life
Alabama is a fault state, which means that the person responsible for your car crash should also be financially responsible for your recovery. But, you’ll need to prove fault in order to receive your funds. Your lawyer can help you collect any relevant evidence to prove the other driver caused the wreck. This might include police reports, eyewitnesses, and traffic cameras.
The defendant might try to argue that you were partially responsible for the accident, so the evidence must also show that you weren’t at fault. In Alabama, if you’re found even partially responsible for the accident, you could lose your chance to file a claim. An experienced lawyer can help you dispute accusations of fault.
Speak to a Lawyer About Your Settlement
In order to obtain your full settlement after a car accident, you’ll need to know what your claim is worth, which isn’t always straightforward. For example, losses such as emotional trauma can be difficult to quantify. You’ll also have to prove that the other driver was responsible, which requires evidence.
Although knowing auto insurance settlement negotiation tips can help, a lawyer from the Henry Dailey Law Firm can be invaluable for achieving a full recovery. Starting with a free claim review, your car accident attorney will review your settlement offer and make sure you get the full amount you deserve.
Ready to get started? Reach out for help. Set up a free consultation by calling 205-606-6970 or by completing the following online form.