If you were recently injured by someone else or through the negligent actions of another person, you may want to consider moving forward with an insurance claim to lower your financial damages. However, some damages are not always worth a large amount of money. This could cause you to not use an attorney if you believe it will cost you more than it's worth. In some cases, you may be able to handle all negotiations on your own. There are other times in which a lawyer would be beneficial. The following are some tips to make sure you are getting them most from your negotiations if you choose to move forward on your own:
Know Your Claim
You are the best witness to your incident since you experienced it first hand. You are aware of exactly what happened, how you were hurt, and all the circumstances that surround the incident. As you are documenting your claim, you must be sure to fully explain everything that happened. Detail is key in insurance negotiations. You should expect to be questioned about aspects of your claim and be ready with organized and thoughtful answers.
Understand the Process
Most insurance companies utilize very similar, straightforward claims processes. You should be able to easily settle your case on your own if the claim is fairly simple. You will need to write some letters about your experience, make and return calls, and provide your evidence to the adjuster.
Consult With An Attorney
If you are still worried about the process but do not want to pay for an attorney, you could hire them and have a consultation. This will provide you with a short window of time to ask questions about the process, get their feedback on the work you have done so far, and satisfy any other needs you may have. This is much less than having an attorney take on the case for you. Be sure to have a detailed list of questions and issues you need addressed before you see the attorney in order to best maximize your time.
A personal injury claim can be a simple process, but it can get overwhelming as the process moves forward, especially if the insurance agency tries to deny your claim. If you choose to consult with an attorney, be sure to ask for an average figure you can expect on cases like yours. If you think a lawsuit is necessary, you will need to have a personal injury attorney to help you with it.