In the wake of an automobile accident most people are completely shaken up, even if they managed to escape without any visible physical injuries. But immediately following the accident, drivers who were not at fault – and are entitled to money from the driver who was – begin dealing with the other driver’s insurance company. If a claim is made, then stressful communication with insurance company representatives may continue for days, weeks, or even months.
But what most consumers don’t know about these conversations is that the people on the other end of the phone – regardless of how nice they are and how helpful they seem – have one primary objective in mind. They want to save their employer, the insurance company, as much money as possible.

If you are entitled to a claim because the other driver was at fault, their insurance company is obligated to pay up. So one of the main tactics used by insurance companies is to offer you an immediate payment that is much lower than the amount you really deserve and are entitled to. They will routinely offer you a few thousand bucks, just to settle the matter quickly. Their goal is to convince you to take that amount because otherwise they may wind up paying you a much larger sum.
In fact, many claims representatives have authorization to award as much as $25,000 or more, without even having to get special permission from a supervisor. Hearing an offer for thousands of dollars is tempting, but if you want to get the maximum amount you are entitled to, you should state the amount you are willing to accept and then stick to it.

Better yet, hire an affordable but reputable attorney and when the insurance company calls to make you an offer, explain that you cannot talk to them, provide any information, or answer any questions and that they need to call your attorney. Give them the lawyer’s contact information and then let the legal expert negotiate on your behalf – for the maximum instead of the bare minimum amount.

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Tags: Auto, Auto Insurance