How To Preserve Your Rights With Insurance Companies
When you’re in an accident — whether it be auto, work-related, or a slip-and-fall — negotiating with an insurance company will likely be a part of the process of receiving the money to cover your medical expenses and pain and suffering.
However, most insurance companies are looking out for what’s best for them and trying to pay you as little as possible. So, you need to enter the negotiations knowing your rights and best practices to ensure you get the most significant settlement possible.
How Do I Negotiate With An Insurance Company?
If you’ve been involved in an accident, you likely will need to file an injury claim with either your own insurance company or someone else’s. Hiring a lawyer as soon as possible, after your injury, who can help you navigate the best way to negotiate with the insurance company.
During your first conversation with the insurance company, say as little as possible and collect your information. Saying too much upfront may inadvertently hurt your chances of negotiating a more significant sum later.
The only information you need to provide at this point is your full name, address, and telephone number. You do not need to provide information about your work, income, family, or other personal information.
When the insurance company contacts you, ask for the name and phone number of who called you.
The insurance collector may ask you to sign something or try to get you to tell them about the accident subtly. However, it’s best to politely deny telling them any details beyond the basic facts of the accident, such as where it happened, when, the type of accident, and the vehicles involved if it was a car accident.
The same principles apply to describing any injuries you have. If you say too much now, it can hurt your ability to negotiate a more considerable sum later if you don’t recover at the rate you expected.
What Should I Do If I Need To Negotiate With An Insurance Company?
If you’ve been in a car accident, experienced a work injury, or any other personal injury, contacting a lawyer as soon as you’ve received medical attention is essential.
The Hyland & Padilla legal team can help you navigate discussions with insurance companies and advocate for your rights. In addition, having someone who has vast experience dealing with insurance companies in your corner can help you receive a larger settlement to pay for any medical expenses, lost wages, or pain and suffering.
Our injury attorneys offer free consultations to discuss your case and help you protect your rights when dealing with insurance companies.