Health Care > I was in a car accident. I have no insurance but the other driver did...his insuRelated Photo
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I went to the ER that night and was diagnosed with various muscle and tendon strains, I went to a physician the following week that sent me to a chiropractor. The chiropractor said I had spinal damage. My attorney told me not to go to a chiropractor so I went to another physician that has sent me to Physical Therapy. The therapist has said it will take months for me to heal, however, I need to settle my case because the Dr wont release me back to work and I cannot afford to live. The person that hit me had insurance (I did not) but that insurance company is taking full responsibility. How much can I expect to recieve if I settle early?
When settling your insurance claim with an insurance company you will be dealing with an adjuster. You need to remember that although this person deals with insurance negotiations on a weekly basis they are also a human being. They are doing their job but they also understand that you need to be paid for your vehicle’s damage and bodily injuries if there are any.
Once you get it in your head that the adjuster is just like you it will be easier to speak with them. The adjuster will want to tape your phone conversations and that is fine, just think before you speak. Do not say anything that might sound like you were at fault if you were not. Do not say you feel fine when in reality you are in pain from your injuries.
The best resource that you can have during negotiations is your detailed records. These records should include all the documents you have collected after the accident occurred. This includes the police report, medical records, and estimates on the car damage and so on. If you have any bodily injuries ask the doctor to note any aches or pains you report to them so that they will be detailed enough for the adjuster to understand your physical difficulties caused by the accident.
The best time to speak to the adjuster is when you have all of your documentation laid out in front of you. Use your common sense and knowledge of what has happened to you. If you feel the adjuster is offering a fair amount than take it. If you are not offered a reasonable amount by the adjuster tell them how you feel. Give them a number you would be satisfied with.
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Ron @ InsureMe
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