Many times we face dangerous car accidents while traveling on the roads. There may be or may not be your fault. Such accidents cause damage to the car as well as the passengers, which at last disturbs our financial situations as well. Handling such a critical situation can be easy if you have your car insured. You can claim for the loss you are bearing and can come out of it with not much difficulty.
You may file a claim for any personal injury or any property like car damage. Of course, you will be worried about your lose and how to file a claim. Insurance companies generally cut short the claim amount to save money and may put your fault for the accident.
You don’t need to worry anymore. Here, we are going to share a few tips for settling car accident case.
- Prepare your documents in advance
Insurance companies usually try to find out the excuses they can give to the client for paying a minimal amount of claim they demanded by the claimer. You can snatch this opportunity from your insurer. Prepare your documents as per below requirements.
#1: Photographs or other small evidence you collected from the incident spot.
#2: A detailed list of the property damaged with the cost of its repairing.
#3: Medical-related all the expenses with bills that are resulted from that accident.
#4: A photo state of the police report filed against that car accident.
#5: Medical consultation slips and notes of your pain must be recorded as evidence.
- Get the point how car insurance company views claim
Car insurance companies as discussed above, try to put the fault on claimer so can avoid paying the exact amount. They offer low settlements of claim in another try. They make the following arguments in order to save their money.
- Fully or partially, it’s your fault: They will try to prove that you are at fault so they will not compensate for the whole amount that you deserve.
- Unjustified Value: They will argue on the bills you show for compensation and say that the value is not justified for compensation.
- Inadequate documentation: If in any circumstances, you fail to prove that your injuries are not because of that accident through the incomplete documentation; your insurer will refuse to reimburse that part of the amount.
So, you need to verify your documents once before submitting to the insurance company.
- Be ready for negotiation on your settlement
As soon as you will submit the documents for the claim, the company will start searching for weak points in the documentation. You will ask for a fair amount based on the loss you are bearing but they will try to pay lesser than what you deserve.
At such point, you will be asked to negotiate for settlement against the claim. You can set a number in your mind to close the deal at last for your fair settlement according to you. Negotiation Process is included to conclude the case by bargaining from both sides and agreement to the common settlement of amount.
You need to calm and thoughtful while sitting for negotiation. Your mind should be active and fully concentrate on the explanations given by adjuster to offer you a minimum amount. You can contradict on these points as to settle your argument on a fair basis. Keep in mind these important tips for settling a car accident case to get the best claim for your loss.