Car accidents in Washington can sometimes have long-term consequences that can set you back for years. Thus, it is always advisable to try and get the maximum amount of compensation you can from the at-fault driver’s insurance company as well as yours. To do so, you will have to do the following.
Know what your insurance policy says
Before you even think of negotiating a settlement, it is essential that you understand what type of coverage your insurance policy offers. Each car insurance policy is different and can have various levels of coverage, depending on the provider and the plan chosen. Take some time to read through all the details so that you are familiar with each aspect of it before you get to the negotiating table.
Gather all the evidence
Gather any photos taken at the scene, medical reports or bills related to treatments prescribed for injuries due to the accident and police records of the incident. You should also save any text or emails exchanged between you and the other driver’s insurance company. If necessary, consult with a professional to calculate the damage and come up with an estimate that the insurance company is likely to accept.
Have a number in mind
Make sure to decide on a minimum settlement amount you would be willing to accept. This number, based on the calculations of your damages, should serve as a baseline during your negotiation process. It’s important, however, not to reveal this number to the insurance adjusters. The unpredictability of motor vehicle accidents means your financial needs may be higher than initially anticipated.
Negotiating a car crash insurance settlement can undoubtedly be a challenging task. However, equipped with a clear understanding of your insurance policy, solid evidence, and a target settlement in mind, you can navigate this process with confidence. Remember, patience and persistence are key. It may take time, but the effort you put in will help ensure that you receive the financial support necessary to recover and move forward.