subject: Handling negotiation with insurance adjuster [print this page] Handling negotiation with insurance adjuster
Getting hurt because of a car accident is scary enough. Imagine how your agonies would double if you have to handle negotiations with an insurance adjuster to get adequate damage recovery. If another driver was responsible for the accident, Florida laws state that you can get damage recovery from their insurance company.
The wise thing to do is find a competent car accident lawyer in your city, i.e. Fort Lauderdale, and ask him/her to negotiate with the insurance adjuster on your behalf. It saves time and prevents hassles. There are certain things that your lawyer can handle better, and it is for this, you need to appoint one.
Here are the steps in the negotiation process.
Notification your lawyer notifies the parties involved in the accident about the initiation of the legal procedure to recover damages.
Investigation your lawyer seeks every detail pertaining to the incident. (You may help him/her in this regard by providing copies of documents like names and contact details of the parties, police and emergency service reports, medical records, photos, etc.)
Note: Don't rush your lawyer into an assessment of the effects of your injury. Many a times, it is not possible to assess damage right away for the injury. If you rush into a settlement, you may repent later.
Demand Letter your lawyer drafts this letter explaining the following points and sends it to the insurance adjuster, along with the documentation.
Responsibility for the injuries
Extent of your injuries and their impact
Medical treatment required (past and future)
Wage loss (past and future)
Other damages
Offer to Settle Letter the insurance adjuster sends this letter as a response. This asks you to settle your claim for a particular sum (usually lot lesser than what you claim). The bargaining continues between your Fort Lauderdale car accident lawyer and the adjuster until both agree to a certain sum.
Confirming Letter your lawyer prepares this after the amount of compensation settles. This letter includes two specific details, the sum of money and the date you receive it.
Release Letter After you receive the settlement check, your lawyer prepares this letter releasing the insurance company from any further liability for the incident. You sign it and send it to the insurance provider.
Trial is only necessary if your car accident lawyer and the insurance adjuster are incapable of reaching an agreement. Then you, i.e. the plaintiff, and the responsible party, i.e. the defendant, has to present your case before a jury and wait for their decision.
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