After another person’s negligence results in injury to you or a loved one, it is essential to get an adequate settlement to address medical bills and other needs. This requires negotiating with the liable party’s insurance company, which can be tricky and time-consuming. While a qualified attorney can help with negotiations, the team at The Gil Law Firm in Dothan, AL, notes that understanding some basics will ensure the process goes smoothly.
Local Attorney on How to Negotiate With Insurance Companies
1. Never Accept the First Offer
Insurance adjusters typically don’t have your best interests in mind—they are trying to maintain profitability for their company. The initial settlement offer will likely be lower than what you can actually receive. However, most companies are willing to work with you when you provide a reasonable counteroffer.
2. Don’t Forget Emotional Damages
It can be easy to focus on the cost of medical care and other physical damage, but accidents can also leave a strong emotional impact. While it is hard to assign a direct value to emotional damage (such as losing sleep or an increased anxiety when you go out on the road), mentioning how your family fared emotionally provides a significant argument in your favor for getting a high-value settlement.
3. Get Everything in Writing
Once you’ve agreed on a settlement with the help of an attorney, get everything in writing. Send a brief letter to the insurance adjuster confirming the settlement amount, what damages they are covering, and when you expect them to provide their relevant documents to you
Whether you need help dealing with a personal injury or plan to file for bankruptcy, having an experienced attorney on your side will make all the difference. Led by Rafael Gil III, the team at The Gil Law Firm has assisted residents in Dothan with navigating the legal system since 2000. To learn more about their experience or to schedule a consultation, visit them online or call (334) 673-0100.