There are millions and millions of car accident claims every year. In order to get the most out of your car accident claim it is required that you know about the process and what to do if you are ever in the unfortunate predicament of being in a car accident yourself.The time period immediately following a car accident can be filled with an overwhelming amount of stress, but it is necessary to keep calm so you can maximize your insurance benefits.Confidently navigating the claims process requires patience and organization.Follow the steps below for how to get the most from your car accident claim:
1.Contact us at the law offices of Joseph Ostad at 800 320-0080 and explain the circumstances of your accident claim in as much detail as possible.
2.Keep all documentation, including reports, receipts, and estimates relating to your accident, in order. Put papers together in a file so that when you need them, they are easy to find. Keep track of claim numbers and people with whom you have spoken.And make sure your lawyer has a copy of all this as well.
3.Document expenses relating to your accident, including missed work and medical costs. These will be part of the total settlement you receive, so make sure to include every related expense. If you are planning to claim an expense as part of the damages or loss from your accident, you will need to provide documentation of the expense. Letters, affidavits, estimates and receipts are all generally accepted as valid evidence.Research the value of your vehicle or get a second opinion about the cost of any repairs. The value of most vehicles is available online through Kelley Blue Book. A mechanic or body shop can provide an estimate for the cost of repairs if you do not trust the value proposed by your insurance. This will put your lawyer in the position to counter if they believe you are not offered a fair settlement in your case.
5.Review your policy with your attorney to see what the extent of your coverage is if you are uncertain.
6.Understand that your lawyer will be dealing with a car insurance claims adjuster and know that the adjuster works for the insurance company, and it is in their job duty and interest to save their company money!So, they are not looking out for you. You need to a good lawyer look out for you.
7.When you are offered a settlement, take time with your lawyer to review it. If you both think your claim is worth more than the offer, your lawyer can counter and explain why it is worth more. Insurance claims adjusters generally have a range (often thousands of dollars) in which they can work to settle out your case. While asking for more compensation doesn’t guarantee you will receive it, you won’t get it if you don’t ask!
8. Don’t be afraid of negotiating! At the law firm of Joseph Ostad we pride ourselves on our tenacity to receive top dollars for our clients claims.Negotiating is easy enough if you are armed with some facts regarding the value of your car and get outside opinions to support your counter.offer.The worse that can happen is that they will say no. The original offer will probably still be on the table, so nothing will be lost.
9. It may be tempting to hurry your settlement along,or trying to do it yourself but rushing can result in you not receiving the full amount of compensation to which you are entitled. Make sure you are in the capable hands of a good attorney to help you navigate the tricky claims process.
If you or a loved one is the victim of a car accident don’t talk with the insurance agent on your own,call us today at 800 320-0080 or visit us in either Rockville or Baltimore so we can help you recover.