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How Do You Negotiate an Injury Settlement?

Hurt in a car accident in Dallas? You may want to seek compensation from the driver responsible for your accident. In many cases, securing compensation means negotiating with insurance agents until all parties agree to a settlement.

So, how do you negotiate an injury settlement? Consider the steps to reach a settlement with insurance agents in the Dallas area with this article. You may also review possible compensation offered through a car accident settlement.

Prepare Before You Contact Insurance Agents

Before you attempt to negotiate an injury settlement in Dallas, you should take the time to do some preparation. First of all, make sure that you seek medical treatment for your injuries. You must receive medical care before you can determine how much compensation to ask for from the insurance company.

Once your injuries are properly treated, you should consider the amount of money you wish to ask for from the insurance company. When determining the amount of compensation you want to receive, make sure that you consider your:

Economic Losses

Your economic losses may include things like your medical expenses, lost wages at work, and the damage to your motor vehicle. You may also hear these damages called “special damages.” These damages reflect losses that come with an easy-to-define monetary loss.

Non-Economic Losses

You may also have a non-economic loss (or “general damages”) after a car accident in Dallas. Non-economic losses may be used to cover your pain, suffering, or mental anguish. Non-economic losses may be 1.5 to 5 times as much as your economic losses.

Come Up with a Settlement Amount

After you review all of your losses following a car accident, you’ll need to come up with a settlement amount that you believe would cover all of your losses. This settlement amount should represent what you would be willing to accept.

However, this settlement offer is not what you should include in your demand letter to the insurance company. In your demand letter, you should list a higher number. This is a normal part of negotiations that allows you to adjust downward towards your desired settlement amount.

You should not share your settlement amount with insurance agents. This number should be kept between you and your Dallas car accident lawyer, as this preserves your ability to negotiate with insurance agents.

Assess All Counteroffers Carefully

After you send the insurance company a demand letter, they may send you back a counteroffer. You do not have to accept this offer. In fact, in many cases it is lower than the insurance company will eventually agree to pay you.

Once you receive this counteroffer, you may want to ask the insurance adjuster about their reasoning for the low offer. You may ask for specific reasons for their offer. Write these reasons down and respond to them in another letter. In this letter, you may include a higher offer to counter their offer.

You may go through this process with insurance adjusters several times before you reach an agreement that is acceptable to all parties.

A Lawyer Could Help You Negotiate with Insurance Agents

Note that you do not have to negotiate with insurance agents on your own in Dallas. You may be able to get legal help in your corner by contacting a Dallas car accident lawyer for help immediately after your accident. A lawyer may help you build a strong claim. Your lawyer could work to gather evidence about who caused your accident by:

  • Visiting the scene of the accident
  • Reviewing the police report
  • Speaking with witnesses who saw the collision

Gathering evidence could help your lawyer strengthen your claim, as you may only receive compensation if it can be proven that someone else caused your accident. Additionally, it must be shown that your accident caused your injuries and other losses.

A lawyer could step in to handle all negotiations on your behalf. This could reduce your stress levels during negotiations with insurance agents. Your lawyer may also be able to assist you if you decide to seek compensation with a lawsuit in the courts instead of a settlement in Dallas.

Work to Negotiate an Injury Settlement with a Lawyer

How do you negotiate an injury settlement? You may be able to negotiate by sending a demand letter to the insurance company. A Dallas car accident lawyer may help you handle insurance negotiations, so you are ready to receive compensation for your medical expenses and other losses. Find out more by calling (214) 305-8277 or completing our online contact form.

You may reach out to a member of our team now to get a free consultation.

Call (214) 305-8277 for your free consultation.
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