WINNING A MAXIMUM SETTLEMENT AGAINST AN INSURANCE COMPANY
In most cases, car accident injury cases will settle before reaching court. However, when negotiating without the assistance of a capable attorney, the insurance company knows that going to court is likely off the table. This gives them an advantage In most cases, insurance adjusters will not offer a person without a lawyer, the same kind of settlement it would offer an attorney with a proven track record. A person who has never worked on car accident injury cases has no way of really knowing how much a case is really worth. And the insurance company knows that. Assessments are based on years of jury Verdicts and insurance settlements. Insurance companies have lawyers who posses superior knowledge and many resources. Insurance companies will only pay what they feel a jury would force them to pay. Insurance companies are not intimidated by unrepresented individuals. Those without strong counsel, will be considered as a weak adversary in their eyes.
1.THE CAR ACCIDENT
Always obtain the police report from the police. The police will be happy to turn over the police report to you if you ask. This report will be crucial to your claim, because it contains contact information to witnesses. Also insurance information for the person who caused the injury as well as their drivers license number and name. Police may also have photos of the accident and the road with diagrams. If the injured person was taken to the hospital by ambulance, there should be a report issued by the ambulance company. Witnesses to a car accident injury will help the case tremendously. Memories of the witnesses may fade, which is why it’s very important to try and contact witnesses as quickly as possible. If the witness is good for your case, a written statement could be prepared and signed by the witness with their permission.
2.KEEP TRACK OF YOUR MEDICAL TREATMENT
Keep track of any Doctor, Chiropractor, physical therapist and psychologist visits and keep all appointments. Keep a detailed account of all the medical treatment and medications prescribed. Ask all your medical providers to give you reports and bills. Check for any errors on the medical reports. Medical bills are easy to prove, however pain and suffering is much harder to prove. Keep a diary of how the pain and suffering has impacted your everyday life. This includes activities you cant undertake, missed days from work, and describe how the injuries have affected your family life.
Conduct an investigation by taking witness statements, photographs of the scene, injuries, and damage to the car. It is crucial that the investigation begin right after the accident.
4.FIRST CONTACT WITH INSURANCE ADJUSTER
Following the investigation, a should be sent to the insurance company by the attorney directing them to send all inquiries to them. Sometimes insurance companies will attempt to get a recorded statement from the victim. Attorneys will never permit their clients to give a statement to the insurance company.