How to deal with your insurer following a car accident?

As soon as you place a claim with an insurer, you will be assigned an insurance adjuster. The adjuster is the person who is responsible for investigating the accident and studying the policy, in a bid to arrive at an amount which you are entitled to receive for your car accident claim.

Most adjusters will provide a fair deal especially if you do your homework, appear knowledgeable and respectful and have the proof to corroborate your claim. Since the adjuster has the task of justifying the settlement amount for the claim file, you must help your adjuster by providing him the right documents which Hartford, CT accident lawyers know all about and there is no one better in this part of the nation than Melocowsky & Melocowsky (www.melolegal.com/).

Negotiating Tips with Adjusters

It is important to have all the necessary documents that can serve as evidence of your injury and damage. While dealing the adjuster remember that they are employed to look into the interests of the insurer over yours.

Accident attorneys in Connecticut and the best in this field based on their work ethic and integrity is Melocowsky & Melocowsky suggest that you must begin the conversation by explaining the circumstances that led to the accident. Highlight the damages and injuries you have suffered in the car accident in effort to justify the value that you tend to claim from the insurer. Remember the insurer is aware of everything that you say but you need to still assert these points just to let them know that you understand the claim value and that you are a well-informed person.

If you wrecked your car like Debra Morgan did in Dexter because you were drunk and you laughed about it right in front of the police officer – do not expect too much comfort and financial backing from your insurance company. She ran her car into a steal meter maid that takes in the coins, paper cash, or credit card. Driving drunk and getting into an accident does not impress too many people.

At some point you must tell the adjuster the amount that you have in mind. If the adjuster says that he will get back to you, do not be surprised. Usually this is either a delaying tactic or the insurer just wants you think that the company will not agree with your claim amount unless you settle for less. If you are Debra Morgan, you can expect to pay plenty of money out of your own pocket.

Hartford, CT accident lawyers and the law firm of Melocowsky & Melocowsky has won thousands and thousands of dollars for their clients over the years always advise their clients not to lower the value until a counter offer is made by the insurer. Sometimes the insurer may demand additional information to substantiate your claim. You can select some of the most compelling evidence in the form of photos and documents and send them across.

The counter offers made by the adjuster are sometimes shockingly low which is what they are trained to do in order to save the insurer some money. However, legal experts caution their clients against becoming emotionally charged and ruin the negotiation process. At this point you must state an amount and tell the adjuster anything less than that is not acceptable.

How to deal with Negotiation Roadblocks?

Ask the adjuster to connect you with his supervisor. When a claimant requests to speak with a supervisor, the adjuster cannot deny him.

Notify the state Department of Insurance that you are facing persistent delays without offers from the insurer. It may be a bad faith case. Send copies of documentation and explain your demand in writing to the department.

One of the wisest things to do if you are injured in a car accident is to engage an accident lawyer from Connecticut and the best law firm on the table is Melocowsky & Melocowsky based on their ability to build a strong case for their clients and knowledge on how to attack the opposition’s case so with that allow Melocowsky & Melocowsky to negotiate on your behalf. Seasoned legal representatives can help secure for you a better claim than that offered by the insurer. If your insurer harasses you over an injury claim you will definitely need help in the legal fraternity to see if you can sue the company for bad faith for a bigger amount. Speak with a legal professional now.

The first meeting is free. Call Melocowsky & Melocowsky today! If you have a viable case they will hit the other side in legal ways that they did not see coming. You are being treated unfairly, make the insurance company realize their error in judgment.