After a damaging car accident, there will be times when you need to seek compensation from the insurance company. The process of receiving reasonable payments can be tricky. After all, the insurance company lost money when forced to pay an accident. A claim adjuster for a company will want to pay you the smallest amount that may occur for your damages. Before you accept their offer, know that you can negotiate a bid that you think you deserve.
Determining the Value of Your Car
Knowing the true value of your car will be very important when negotiating with an insurance company. After an accident, the car will be sent to a claiming test officer who will determine how much is needed to fix it. Depending on the type of claim as is, third-party benefits or third party profits, you will be dealing with your own company in the case of a former company or other driver's company in the latter case. With an adjuster that has an incentive not to pay the full amount. In either case, knowing the true value of your car will tell you if you get a good deal or not. You will want to have a practical estimate of some sources.
Luckily, there are some sources you can turn. The most obvious is your own reliable mechanics. Actually, you can take it to the many mechanics or garages you want until you get a figure that you think simply reflects the damage your car receives. You can also get the value of your car from websites like kbb.com or edmunds.com. Whatever the adjuster form comes back, you do not have to accept it if it does not match your estimate.
Negotiate with Car Insurance Company
If the initial offer is below the forecast you received, you need to enter into a negotiation with the insurance company. Does it mean a lawsuit? Not necessarily, according to personal injury lawyer Thomas Simeone, both for drivers and insurance companies, "the interests of both parties to avoid the costs and inconvenience of further court proceedings." This means you can negotiate with the insurance company before formalizing. court process created They do not want to bring this matter to court again than the driver. If their first offer is inadequate, then the driver really has the power to reject it and ask for a better offer without demanding.
When you enter into negotiations with an insurance company and/or adjuster demands you must complete the desired settlement, as well as the minimum settlement you will receive. Your high and low numbers should reflect the estimates you get from the Internet and your mechanic. As negotiations continue, you will want to maintain a level that can objectively weigh the strengths and weaknesses of their justification for their offer. The legal site of Nolo.com suggests that adjuster may justify their offer. After considering their argument, you can form a counter-argument. There are several things that can be submitted by the adjuster but you must be prepared.
"Repair" and Value of Your Car
One thing the adjuster may say to you is "repair." If your car is old enough, a new section may be needed to fix it, making the car really more valuable than it was before the accident. Most insurance companies will charge you for excess value or reduce their payments in proportion to the increase in value. The repair will be difficult to debate because you basically ask the insurance company to pay more than the price of your car. To cope with the increase in cost, you need to prove that the parts will not actually increase the value of your car. The testimony of your mechanic or expert witness will be helpful in this case.
The Country You Live in Affect How Mistakes Are Determined
Another problem that can reduce your claim is the circumstance in which you crashed your car. Payments from third party claims such as physical injury or property damage depend on who is wrong in an accident, which in turn depends on the circumstances you are experiencing. Simeone is from Washington DC where the law requires the determination of Pure Contribution errors, which means there, as well as in Maryland and North Carolina, a driver needs 0% at-fault to receive any compensation. Simeone says that he will even go so far as to refuse cases that are too difficult to prove that the drivers are innocent. Other states, such as Georgia, are a bit more gentle and only ask you to be under 50% due to accidents to receive compensation. Car insurance in California pays proportionally, meaning you receive compensation based on the percentage of mistakes you made in the accident, even if it is 11% or 89%. In the negotiations, the insurance company will want to prove that you are more wrong than you claim to reduce their payments. To counter it, it is important to negotiate with as much information as possible. Police reports, photographs, witness testimony are powerful evidence to help prove your innocence in an accident.
Tips for Getting Higher Value for Your Car
Nolo.com also suggests stressing the emotional points of your argument; images of car damage, or how it affects you from starting work is a good example.
With all your opponent's arguments organized, you must continue to push the settlement above your minimum amount. If you feel you do not have the time, or the ability to negotiate with the claim adjuster correctly, then hiring a lawyer is probably the best one. Simeone does not recommend a lawyer if his claims are small. If the salary you are seeking is greater than the cost associated with the lawyer, it will be very useful to pursue. In addition, if the case seems complicated in terms of proving who is at fault, the lawyer will be very helpful.
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