Being in a car accident is extremely stressful, and is often made worse by the fact that you have to deal with insurance companies, mechanics, and doctors, all while still trying to make a living. The last thing you want to do after an accident is to dispute auto insurance claims but you may find that in order to get a fair amount of compensation for your damages, you have to. Unfortunately, you may find that this is necessary. You certainly do not want to be taken advantage of when it is your well-being and peace of mind at stake. The compensation you receive from the insurance claim is to put you back to normalcy, so don’t overlook its importance.
Be Bold!
The insurance company will issue you an offer which will be the monetary amount they feel is fair to get you set straight. Of course, your idea of fair and the insurance company’s idea of fair are often two completely different amounts. Most claimants will just settle on the first offer, content in their ignorance while others will be bold enough to request a higher number. When it comes to being compensated for damage to your car, you will need to know the Kelly Blue Book value plus whatever options you have added to the vehicle. If the settlement includes payment of medical bills for damages you received in the accident, you will need second opinions and documents of every treatment you receive.
Second Time Around
You will also need to prove that your claim is worth more than the initial offer. By this point you will probably be sick and tired of adjustors and doctors poking and prodding your car and yourself, but you will need to bear with it. The information gained from other mechanic estimates and those second opinions will come in handy when asking for more compensation. Remember, insurance companies have a business to run and will be hesitant to lose any amount of money. As you seek a revised estimate, continue to document everything and keep all of your paperwork. When the time comes to present it to your attorney, or in court, you will be thankful that you have everything together.
Getting Legal Help
You needed a lawyer to file the initial claim and you will definitely need one when disputing an unfair offer. The lawyer will know exactly what to do and in what order, making the process simpler. They will also deal with the insurance company, relieving you of that particular burden and stress. While you can dispute the unfair claim yourself, you will find that a lawyer’s knowledge and training will come in handy. Using a lawyer will improve your chances at a fair settlement, so you shouldn’t be afraid to fight for what you are owed.
