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Negotiating With an Auto Insurance Company After an Accident

auto insurance company

Have you recently had a car accident and need to claim?

Being involved in a car accident is one of the scariest, most stressful things that can happen in your life. And then the stress isn’t over afterward with insurance companies to deal with. But negotiating with your insurer doesn’t have to be stressful if you know how to handle them.

Keep reading for our guide on how to negotiate with your auto insurance company to come out a winner.

Start the Claim ASAP

After an auto accident, you need to contact your car insurance company right away. You’ll be better able to recall the details of the accident and report any damage and/or injuries.

Keep Accident Records

Keep a file of records from the accident that you put in chronological order. Of all the negotiating tips, you’ll thank us later for this one. This should include:

  • police accident report
  • records of medical visits
  • bills for repairs
  • anything relevant to the accident

These documents will be vital for negotiating, so having easy access to them can speed things up.

Send Your Demand Letter

Next, send in your demand letter to your insurer. You need to describe the following:

  • the accident
  • your injuries
  • what treatment you had
  • ongoing treatment you need
  • health issues or disabilities because of the accident
  • damage to your vehicle
  • any other suffering or losses

Then, detail the amount of money you want. It’s likely the insurers will respond with an offer lower than your figure. So, always go in with a figure about 25-100% higher than what you want. You’ll need to back up what you say in this letter, which is why having your documents organized is vital.

Don’t Take the First Offer

Auto insurance companies are notorious for lowballing their offers. They rely on the naivety of the claimant and the fact they want to get this stressful process over with. Or, it’s a test to see if you actually know what your claim is worth.

Ask the adjuster for a breakdown and justification for their offer, and specifics for why it’s so low. Respond to each point explaining why this is wrong and you won’t accept the offer. Don’t lower your figure at this point, stick to the figure you asked for in your demand letter.

Emphasize What’s in Your Favor

When it comes to how to negotiate, don’t waste time on fact you can’t prove. Emphasize what’s in your favor and what’s important. Make it clear you want fair compensation.

If you now need lifelong care, explain how this affects your life and finances. If you missed a huge time off work, give them the full total of the wages you lost and how it’s affected your family.

Get It in Writing

Make detailed notes of each conversation you have with your insurance company. Get names, dates, and times and ask that all offers are in writing. Each party must date and sign a copy of a contract for any agreed contracts.

Negotiating With Your Auto Insurance Company Made Easy

So, there you have it! Now you know these tips on how to negotiate with your auto insurance company you’re all set. You’ll be well prepared and can fight for the settlement you deserve.

If you are looking for affordable auto insurance then get a quote today from InsuredASAP. We compare rates to find you the best quote possible.

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